Debt and Credit Blog | Free Online Tips and Resources » report http://mycreditdebt.org Debt and Credit Blog and Resource Center Mon, 09 Jan 2012 23:54:35 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 How long after a bankruptcy is discharged (finalized) does your credit report reflect that? http://mycreditdebt.org/how-long-after-a-bankruptcy-is-discharged-finalized-does-your-credit-report-reflect-that.php http://mycreditdebt.org/how-long-after-a-bankruptcy-is-discharged-finalized-does-your-credit-report-reflect-that.php#comments Tue, 29 Dec 2009 18:52:01 +0000 admin http://mycreditdebt.org/how-long-after-a-bankruptcy-is-discharged-finalized-does-your-credit-report-reflect-that.php In other words, my bankruptcy was discharged at the end of March, when will the credit report relect which accounts were thrown out in the bankruptcy?

Thanks!
DAS: I know that the items stay on the credit report, but they will have a note indicating that the were included in the bankruptcy so that any future creditors can see that the debt is not outstanding.

]]> http://mycreditdebt.org/how-long-after-a-bankruptcy-is-discharged-finalized-does-your-credit-report-reflect-that.php/feed 7 How can I get a bankruptcy removed from my credit report? http://mycreditdebt.org/how-can-i-get-a-bankruptcy-removed-from-my-credit-report.php http://mycreditdebt.org/how-can-i-get-a-bankruptcy-removed-from-my-credit-report.php#comments Sat, 19 Dec 2009 19:34:11 +0000 admin http://mycreditdebt.org/how-can-i-get-a-bankruptcy-removed-from-my-credit-report.php I filed in 2001. I disputed my bankruptcy and a lien with all 3 credit bureaus.
Transunion removed the lien not the bankruptcy
Equifax removed the bankruptcy and not the lien
Experian wouldn’t remove neither one.

Now i know once you dispute an item the creditor has 30 days to respond or its removed from your file how can i get the others removed or do I just have to wait it out

If one bureau remove it dont the others have too.

]]> http://mycreditdebt.org/how-can-i-get-a-bankruptcy-removed-from-my-credit-report.php/feed 10 Is this a valid way to remove a bankruptcy from your credit report? http://mycreditdebt.org/is-this-a-valid-way-to-remove-a-bankruptcy-from-your-credit-report.php http://mycreditdebt.org/is-this-a-valid-way-to-remove-a-bankruptcy-from-your-credit-report.php#comments Mon, 14 Dec 2009 18:38:00 +0000 admin http://mycreditdebt.org/is-this-a-valid-way-to-remove-a-bankruptcy-from-your-credit-report.php I have heard this is a good way to remove a BK. See below. Has anyone tried this?

Unlike other negative information which stays on your credit report for 7 years, bankruptcy can be reported for up to 10 years.

Bankruptcy courts keep cases active for a period of two years before placing them on microfiche.

If your Chapter 7 bankruptcy has aged at least 27 months since the date of discharge, your in a great position to make it disappear forever, simply file disputes with the credit bureaus indicating that your bankruptcy was a Chapter 13 and not a Chapter 7.

You need not provide any documentation to support your dispute, the burden of proof is on the government.

Bankruptcy courts do not respond to requests for verification on cases which has been archived to microfiche, as a result the credit bureaus are required to remove the bankruptcy from your credit report.

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