.How do I get wrong info off of my credit report after a bankruptcy?

Question

The cards which were included in the bankruptcy were not taken off report ,so it looks like I still have lots of unpaid credit cards and a mortgage.

The bankruptcy was discharged in 2004. Yes I know the cards can still be on the report ,but no, they do not have a zero balance they have the full balance next to them.

Answer 1

You need to state whether you filed chapter 7 or 13. Bankruptcy stops collection of debts and erases the debt in most cases. It does not stop the creditor from reporting your lack of being responsible and a bad risk. Your debt to income has improved but your credibility will suffer for a while. Why do people like you think that your entitled to borrow and not pay back, with no recourse, and then have it hidden from future creditors.

Answer 2

They don't get taken off the report after bankruptcy. They should show as discharged though.

They can leave them on your report for 7 years. The bankruptcy will stay on for 10 years.

Look at the credit cards on your report. They should say "written off" or "discharged in bankruptcy" or something to that effect. They should all have a zero balance.

How long ago was your bankruptcy discharged? It will take a month or two for the information to get updated after all your final paperwork is finished and the courts issue the discharge.

If they are still showing a balance, you can dispute the balance on the grounds that it was discharged in the bankruptcy. You can't dispute the fact that they are on there though.

Answer 3

I've been there before -The former debts should not show as owed. Dispute them with the relevant reporting agency (for free). Tell them which debts were included as part of your bankruptcy. The agency will have to verify the info you tell them. If they cannot verify the info with the companies that are reporting, then they must not report them at all. This usually takes about 30 days, sometimes less.
A Chapter 13 bankruptcy will be on record for 7 years. A chapter 7 will remain for 10 years.
As awful as that sounds, it can still be quite preferable to worrying all the time about how to pay all that debt. Much success to you in the future! :)

Answer 4

I have included a link to an excellent article that addresses your question directly. Please click link below on : "Source." You can get it off your credit report, but it will take work. Each bureau has a dispute process and you can use it to get that stuff off your report. However, the fact you did a Bankruptcy will remain 7-10 years depending on which chapter you filed. Also, you must be honest in the future for the rest of your life if you are asked on a job or credit app "Have you ever filed for bankruptcy?" But don't feel bad, bankruptcy is right out of the bible. You deserve a second chance.

Answer 5

Bad credit and bankruptcy are the two most dreaded words in the financial world. These two things can greatly impact your financial situation. But what you are not aware of is the fact that you can improve your credit rating after bankruptcy.

Your credit rating and bankruptcy are related to each other. People with credit tend to make full use of it. This results in a big debt that makes it very difficult to repay. This results in bankruptcy. Though many consider bankruptcy to be a blot on their name, it is not necessarily true. Once you declare bankruptcy, you get a fresh chance to start working on getting good credit again.

Answer 6

I feel for you, I'm cleaning mine up now. I went to apply for a loan, and the loan company said I had 17 open accounts! 13 of them were in bankruptcy. Pull your free annual credit report from all three credit bureaus here in the USA. Make sure any creditors that were in your bankruptcy have "discharged through bankruptcy" beside them. I not only disputed them on line, I also mailed my discharge papers to the Credit Bureau. They say it can take up to 6 months to clean up your account, but it sure beats having a low credit score for 6 years. I didn't realize some of these company's were being vindictive and were still showing my accounts as open and delinquent. That's why I say, make sure you look at each account closely and that the status is correct beside that account. Also add comments to any bad credit that might be on file. This is really simple if you can access your credit report on line, one of them I had to mail in for my credit report. Get started now, and good luck.... :)

Answer 7

You will not get it taken off of your credit report but you can dispute the info on the credit report to reflect your bankrupcy, Your credit score will never start to increase unless you do this, Now they may want some info from you like, the copy of your discharge and the specific accounts that you filed on. You can recieve this from your attorney that handle your bankruptcy...Trust me it takes time but you will eventually get it taken care of...I ended up having to go to the company that I had debt with and take care of it thru them....As well as filing a grievence with the proper authorities.

Answer 8

The best way to get incorrect information from your credit report is to follow procedures you will find at the FTC's website. Check the link below to "Fair Credit Reporting Act"

If you must, you can file a lawsuit against the creditors who won't fix errors on your report under the Fair Credit Reporting Act.