Posts Tagged "chapter 13"

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?


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?


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 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?


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.”


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?


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?


The difference between chapter 7 and chapter 13 bankruptcy

Dear Experian,

What is the difference between chapter 7 and chapter 13 bankruptcies?


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