Posts Tagged ‘ bankruptcy ’

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? - MBD

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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? - MCH

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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. - ARB

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Accounts in Ch. 13 bankruptcy remain 7 years

Dear Experian, How long do accounts included in chapter 13 bankruptcy remain on your report? - RCH

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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? - ETL

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Late payments continue to appear after declaring bankruptcy

Dear Experian, How can I get late payments removed for items that were included in bankruptcy? - NPN

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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? - ATT

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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. - CWC

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The difference between default and bankruptcy

Dear Experian, Which is the lesser of two evils, bankruptcy or default? - DBU

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Accounts are not removed immediately after bankruptcy

Dear Experian, I have completed my chapter 13 bankruptcy plan. How do I have the creditors names removed from my credit report? - HNS

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When negative information will be removed from your credit report

Dear Experian, If the account status information says the item will be moved from negative to positive on a certain date, what determines when and why that happens? - AJH

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Marrying a man who declared bankruptcy

Dear Experian, I would like to get married to a man who filed for bankruptcy. I have great credit, and he has a new slate. Will it wreck my credit even if we keep our finances separate? - REM

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Bankruptcy will show in your credit report even though it was dismissed

Dear Experian, We filed for Chapter 13 Bankruptcy in June 2009. The Bankruptcy was never approved or discharged, but was dismissed a few months later. We dealt with all of our creditors individually after that. Does the Chapter 13 stay on our credit report even though it was never approved by the court? - DLV

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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

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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

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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

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Discharged bankruptcy will still affect credit scores

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

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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

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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

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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

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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

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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

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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

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The difference between chapter 7 and chapter 13 bankruptcy

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

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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

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