BK gone from Equifax

Discussion in 'Credit Talk' started by ss2744, Dec 1, 2001.

  1. ss2744

    ss2744 Member

    Chapter 13 filed in 12/96...Removed from Equifax.
    Over 2 years from the normal 7 year removal date.
    Yippeeeeee!!!!!!, Happy Happy Joy Joy!!!!!.
    It never was on TU....and I am working on Experian.
    Just goes to show you....Dispute, Dispute, and Dispute more. They were showing incorrect status and I had it removed on that basis. Experian is incorrect too.

    Gang..Find a little something wrong with the entry and just dispute the hell out of it....The main lesson here is.......

    Dont give Up!!!!.......Ever!!!!

    Thanks to Creditnet and all of you here...I will soon be able to get a prime rate on a mortgage.

    S.
     
  2. breeze

    breeze Well-Known Member

    Yayyyyyyy!! I know you are happy!!
     
  3. star

    star Well-Known Member

    I have a 13 from 96, It also also has status wrong and lists wrong liability, I keep disputing both and keeps coming back verified and stays. how exactly did you word dispute
     
  4. ss2744

    ss2744 Member

    Hi Breeze..Thanks for the Kudo's.

    If it werent for people like Yourself, Roni, Momof3,
    Saar and many many others here on creditnet....I would not have had all this success.

    I raise my Champagne Glass to you all.

    S.
     
  5. ss2744

    ss2744 Member

    Hi Star.

    My BK 13 was listed as "involuntary Chapter 13..Dismissed". I just disputed repeating that it was Voluntary and that it was Discharged. Also they had some funky numbers following the Case # and I went after them for that too...It took about 6 1/2 months of repeated disputes saying those things but it finally worked. I also said something to the effect that "these errors in reporting are in violation of FCRA rules and it is your duty to investigate and correct these errors or delete the entry accordingly."

    Keep it simple and in your own words, but most of all they need to understand that you mean business!

    Hope that helps

    Dont stop until they comply.

    S.
     
  6. cariba

    cariba Well-Known Member

    Congratulations!

    Still trying to get mine off Equifax and Experian. Has come off TU.

    Doesn't it feel good?!

    cariba
     
  7. ss2744

    ss2744 Member

    It is one of the best feelings I have ever had while still having all of my clothes on.

    Keep the Faith and Never give up!!!!

    S.
     
  8. breeze

    breeze Well-Known Member

    LOL!!


     
  9. drmgirl6

    drmgirl6 Well-Known Member

    Congratulations! It's very comforting to know that it CAN be done. My discharge was in 1998 so I'm hoping I can join you in the BK removal club.
     

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