Posts Tagged ‘ bankruptcy ’

Credit denied due to bankruptcy public record

Dear Experian, My husband and I had our bankruptcy discharged in March 2012. We are still getting refusals for any type of credit we have tried to apply for, no matter how small. We have one credit card we have never been late on. It has a limit of only $1,500.00, and we have always paid it off so have not been charged any interest. Our denials all state “due to public record.” - BDJ[ READ MORE ]

Account reported as potentially negative after bankruptcy discharged

Dear Experian, I went through Chapter 13 bankruptcy. I paid all that I owed, and my Chapter 13 was discharged in March 2012. I requested an item be deleted since the seven years was up, and my request was denied. They said it was because the account was brought current. How can that be? - GLD[ READ MORE ]

The difference between Chapter 13 bankruptcy and Chapter 7 bankruptcy

Dear Experian, What is the main difference between a Chapter 13 bankruptcy and a Chapter 7 bankruptcy? Also, how do the two types affect your credit rating differently? - SRD[ READ MORE ]

Discharged bankruptcy will still affect credit scores

Dear Experian, Once a Chapter 7 bankruptcy is discharged, will it still affect my credit score? - ADZ[ READ MORE ]

Adding an authorized user who has declared bankruptcy

Dear Experian, If I add an authorized user who filed bankruptcy to my credit card, will that affect my credit scores? - SDY[ READ MORE ]

Removing “accounts included in bankruptcy” status from closed accounts

Dear Experian, My bankruptcy was removed from my credit report late last year. Is there any way to update closed accounts to remove the wording "included in bankruptcy"? I had a car loan at the time of the bankruptcy that I reaffirmed and paid in full in 2006. Do I have to wait until 2016 when the account will be removed from my credit report? It feels like I'm being punished a lot longer than the 10 years for a bankruptcy. - WCK[ READ MORE ]

Deleting evictions, judgments and bankruptcy from your credit report

Dear Experian, Is there a way to get an eviction removed? A judgment was filed against me. If a judgment is discharged in your Chapter 7 bankruptcy, can it be removed from your report? - JLB[ READ MORE ]

Updating report to show bankruptcy is discharged

Dear Experian, My bankruptcy was discharged one to two months following when it was filed. This would have been around September 2005. It still shows the bankruptcy is not discharged on my records, but it has been. How do I get this information updated to correctly reflect my discharge date? - LND[ READ MORE ]

Tax liens not discharged through bankruptcy

Dear Experian, I filed bankruptcy in 2002 because of divorce. It was discharged with zero assets and zero liabilities. A 1996 Michigan state tax lien still remains on my credit report after 16 years. I understood it was included in the Chapter 7 bankruptcy in 2002. - SLV[ READ MORE ]

Bankruptcy should not appear in joint account holder’s credit report

Dear Experian, If there are two people on a loan and one of them files a Chapter 13 bankruptcy, would it report on the other person's credit that the account is in bankruptcy status since the trustee will be making payments? - CHS[ READ MORE ]

The difference between chapter 7 and chapter 13 bankruptcy

Dear Experian, What is the difference between chapter 7 and chapter 13 bankruptcies? - RYN[ READ MORE ]

Updating account to show included in bankruptcy

Dear Experian, I have a company reporting “charge off” on my credit report when it should be a bankruptcy that was done in August 2010. Can you help me understand why it is being reported like this? - EUB[ READ MORE ]

Reaffirming debts will not cause bankruptcy public record to be deleted sooner

Dear Experian, Can a Chapter 7 bankruptcy get deleted earlier than the 10 years if your lawyer had you agree to pay off some of the debt owed to the creditors and you also reaffirmed some of the secured debt owed in the chapter 7 case? - EXR[ READ MORE ]

Bankruptcy listed on father’s credit report

Dear Experian, We recently went through chapter 7 bankruptcy. Our problem is that we are living in a home that belongs to my husband's father. My husband and his father share the first initial of their first name and of course their last name. My husband's father was mistaken for my husband and now our bankruptcy is listed on his credit report. What can we do to fix this? - TPA[ READ MORE ]

Updating bankruptcy information

Dear Experian, After a bankruptcy discharge the creditors usually update their entrances, so the debt shows as discharged in bankruptcy. However, they don't always do that. Can I send you a copy of my discharge and the list of creditors so the report can be updated? - ETT[ READ MORE ]

Accounts in bankruptcy are not deleted immediately

Dear Experian, I just filed bankruptcy and it was discharged in January 2011. I thought that because I filed bankruptcy my bad credit would be taken off my credit report. How come they are all still there but show discharged with Chapter 7? - JAC[ READ MORE ]

Bankruptcy has greatest impact on scores, collections a close second

Dear Experian, What is worse, having several credit cards in collection or having a bankruptcy on your credit report? - JUA[ READ MORE ]

How you might not qualify for bankruptcy protection

Dear Experian, How do you not qualify for bankruptcy? - EYC[ READ MORE ]

Why accounts in bankruptcy continue to be part of your credit report

  • September 15th, 2010
  • Posted in Featured

Dear Experian, Why are the accounts that are under a bankruptcy listed individually? Doesn't the bankruptcy cover that? - ELZ[ READ MORE ]

Bankruptcy remains on your credit report for up to 10 years

Dear Experian, How long does a bankruptcy stay on your report? It has been almost six years and I am still denied credit on that basis alone. - LBE[ READ MORE ]

Score didn’t improve after bankruptcy removed

Dear Experian, I recently had a bankruptcy removed from my credit report, but it didn't change my score. When or how do you update the credit score? - PLM[ READ MORE ]

Qualifying for a home after bankruptcy

Dear Experian, When lenders see bankruptcy on your credit report does it turn them away from lending to you? What is the best way for me to rebuild my credit? I have started by getting two credit cards and have never been late with a payment, but what else can I do? I would like to purchase a house soon, but I'm afraid to try. - SPE[ READ MORE ]

Change to bankruptcy law doesn’t affect credit reports

Dear Experian, We filed chapter 7, and it was discharged on Jan. 31, 2002. Because we were under the old law, the bankruptcy should be off our credit, right? - EPE[ READ MORE ]

When chapter 7 bankruptcy is deleted

Dear Experian, Does a Chap 7 bankruptcy drop off the report 10 years after filing date or the discharge date? - DGM[ READ MORE ]

Mortgage cosigner’s credit report not affected by bankruptcy

Dear Experian, If two single people co-sign on a home mortgage and one of them files for Chapter 13 bankruptcy, will the credit report of the other co-signer for the home mortgage be affected, even when the mortgage payments are kept current? - LMS[ READ MORE ]