Posts Tagged "bankruptcy"

When bankruptcy public records are removed from your credit report

Dear Experian,

I filed bankruptcy in 2005. It is still showing on my credit report – in 2014. How do I get it removed?


Bankruptcy may prevent qualifying for a credit card

Dear Experian,

How can I get a credit card after a bankruptcy so I can rebuild my credit?


Debt discharged in bankruptcy continues to show in your credit report

Dear Experian,

How can a debt that was dismissed during a bankruptcy almost four years show up now on the credit report as derogatory? Can we appeal to have it removed from the credit report?


You might still owe on your mortgage after declaring bankruptcy

Dear Experian,

I want to know if I still owe my mortgage company after filing Chapter 13 bankruptcy. When I filed I was in foreclosure, and they said I owed $72,000. I paid that amount in full. Now the company is saying I owe $59,000 more. Does this sound right? I have my discharge papers from the courts.


Accounts in Ch. 13 bankruptcy remain 7 years

Dear Experian,

How long do accounts included in chapter 13 bankruptcy remain on your report?


Mortgage loan not being reported after declaring bankruptcy

Dear Experian,

We filed bankruptcy two years ago and want to either refinance our home or possibly buy a new home. When the bank pulled our credit they said that our existing mortgage is not being reported on Equifax, Experian or Transunion. We have all of our monthly statements from our lender verifying that we have been paying on our house for the past 2 years. How do we show this information to you so you can start reporting all of our mortgage history on our credit report?


Late payments continue to appear after declaring bankruptcy

Dear Experian,

How can I get late payments removed for items that were included in bankruptcy?


Bankruptcy and tax liens

Dear Experian,

I have a client who filed for bankruptcy over 10 years ago. The bankruptcy is no longer showing on his credit report but the state and federal tax liens are. What can be done to remove that information from the credit report?


Getting married when your girlfriend has declared bankruptcy twice

Dear Experian,

I’m planning to ask my girlfriend to marry me. However, I just found out she has filed for both chapter 7 bankruptcy, in 2000, and chapter 13 bankruptcy, in 2008. I’ve been told this not good for our future and that it will affect my credit if we do get married. Any insight would be helpful.


The difference between default and bankruptcy

Dear Experian,

Which is the lesser of two evils, bankruptcy or default?


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