Posts Tagged ‘ chapter 7 ’

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 ]

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 ]

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 ]

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 ]

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 ]

How you might not qualify for bankruptcy protection

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