How do i get something off my credit report that does not belong?

Question

FILED BANKRUPTCY ,BAD CREDIT SHOULD OF BEEN TERMINATED THEN.

Answer 1

Hugh is close with his answer.
The best way to dispute these items is to provide each credit bureau with a copy of your bankruptcy papers that shows which accounts were included in your bankruptcy. (Here in Ohio, it's schedule F, but use the one that's applicable to you). Send them a letter stating the matter of the dispute and then send both a copy of the schedule and copies of a recent credit report that still show the balances owing.
You cannot just send them the paperwork and expect them to comb through everything themselves. Go through it, highlight and either letter or number the matching accounts ("A" account on the credit report should match "A" account on the bankruptcy papers and so on).
The credit bureau will not remove these items. Even though the balances have been cleared, they still must remain for the seven years just like any other negative accounts. They will, however, update the information to state "Included in bankruptcy". They have 30 days to correct the information and then send you a new copy of your report, reflecting that the changes have been made.
I hope that helps!

Answer 2

Ok, just to clarify, just because you filed bankruptcy does not mean that your bad credit or anything that was included in the bankruptcy gets erased. It will be another 7-10 years before it is 'erased.' What you must do now is make sure that you pay EACH and EVERY bill you have on time from now on, and do not accumulate credit of any kind (not that anyone will approve us now anyway) until it comes off of your credit. If it has been the 7-10 years since you filed, then you should go to experian.com for the information on how to contact the credit bureau to update your credit report.

Answer 3

If you are asking about items that remain on your report that are still reporting balances that were included in your BK, my suggestion would be to take a copy of your discharge papers and your schedule E which shows which creditors were on your BK, highlight the specific items that are reporting incorrectly and send a copy to each of the credit bureaus that are reporting incorrectly. Ask them to please remove these items from your credit report and in 60 to 90 days they should remove them. You need to be specific with them and tell them which accounts and so forth you are inquiring about. All items (even if they are payed off) will remain on your credit report. Your report is just that, a history of your credit. You will eventually increase your scores and get back to a positive rating. Pay your bills on time and keep your credit cards paid at or below 50% of the high limit.
Thanks Shelby you are correct about sending in the report as well.

Answer 4

Your credit report will contain your credit history.
Because you filed for bancruptcy doesn't change the history, it only adds another "chapter".
Anyone who reads your credit report will see all of the history.
Filing bancruptcy means your debt is forgiven in some form but it does not mean it did not exist.
I would advise placing a statement in your credit report explaining the reasons why you filed.
BTW since you can only file every so many years you sometimes are considered a good credit risk by some creditors.

Answer 5

It took about 3 yeasrs before i was able to get any credit. Be careful tho. that s 3 year after my bankruptcy

Answer 6

Each credit bureau has dispute procedures for erroneous information. Bankruptcies, however, will remain on your report.