Posts Tagged ‘ chapter 13 ’

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[ READ MORE ]

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 ]

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 ]

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 ]

How you might not qualify for bankruptcy protection

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