I just had a bankruptcy deleted off of my TU credit report by disputing 0 asstes and liablities. All associated "included in BK" accounts were also deleted after the Bankruptcy CH 13 was removed. Currently working on Equifax. No luck with Experian.
I just did the same thing for the second time..I stated i never filed a bk7 with 0.00 assets and 0.00 liabilities..... hope it works for me to.. nice going..
MH, a couple of questions for you... How old was the bk? Did TU automatically remove the "included in bk" accounts when the public record was removed or did you have to dispute those separately? Was it the first time you had disputed it? I have a CH 13 that I have disputed a couple of times on TU. I haven't managed to get it off yet. I did get it off of EXP--go figure! Congrats! Keep us posted on the progress!
Please be careful. The bankruptcy is a public record and can be reinserted at anytime. Also, there are other data bases a creditior can check. If you receive any credit based on a report that the BK is expunged, an AR by the creditor can be disastrous to you if it reappears. In fact, in today's climate, the creditor will declare the entire balance due. The mere fact a BK is listed as 0/0 is of no consequence. BK IS BK. H
How old was the bk? Filed in 8/97 Did TU automatically remove the "included in bk" accounts when the public record was removed or did you have to dispute those separately? TU removed the accounts when the public record was removed. Was it the first time you had disputed it? Yes I have a CH 13 that I have disputed a couple of times on TU. I haven't managed to get it off yet. I did get it off of EXP--go figure! Keep trying. I sent my dispute via certified letter and did it online the same month. Bigh, thanks for the info.
BigH, I don't know where you get your information from, but I have to beg to differ. The only databases that contain a BK are the CRAs and the court where filed. Unless your creditor asked if you had filed BK and you lied, they would have a hard time declaring the balance due. The most I could see them doing is closing the account. Also, I have never had a public record reinserted after deletion. Has anyone ever heard of anyone's BK being reinserted? I like the challenge of 0 assests and 0 liabilities because they will have to access the actual filings to validate and that could be a bit tough to get in 30 days(for old BKs)!
SCMomof5, what CRA's did you successfully have your public records deleted from. What type of public record's?
SC- I'm not sure of other databases -- but it's easy to do an online search for BK. Some cards (and all home loans, equity loans, and many car loans) specifically ask the BK question ... Just be careful, is the message (I think). Bank fraud is a messy business, and it would be unfortunate for someone to (somewhat innocently) get into a felony situation because of advice received here. -mj
There's no fraud! CRA's can only report information that is accurate, updated, complete and verifiable -- if it's not all of those 4 it can be deleted. It's not illegal and it's not fraud. Reporting 0 assets and 0 liabilities, isn't accurate or complete. If they don't want to be responsible for listing it they should remove the detailed information within the tradeline. Sassy
Almost all bankruptcy courts allow access to records via PACER. In addition, many companies compile public records information into databases and sell access to them. If a CRA exercised even a modicum of diligence they would have no problem getting all of the bankruptcy information correct. Good thing they are so lazy...
Hey Sassy, waving at you ~ ~ ~ ~ I agree with Sassy completely. On my reports the CH 13 is listed with the wrong date, 0 assets, 0 liabilities and the plaintiff is listed as our attorney. Under attorney it says "none." The case number is only partially listed. There isn't one shred of correct information in that listing--my name isn't even listed! I know that they can not verify that CH 13 based on the info they are reporting. I just haven't pushed the issue yet. Jambe is right on with his comment--if they tried to get this right, even exerted one small ounce of effort, it would be easy and COMPLETE, ACCURATE, and VERIFIABLE! Congrats on your deletion! That was a homerun! Good luck on the rest of them.
Hello everyone, I'm pretty new to this forum but thank goodness I found it. I have an old bk (97) chpt. 13. Don't quite understand how it can be deleted. Do you look at the 0 bal. then write CA and tell them (What??) Please help Chitchat
Chit Chat, Hi and welcome to the board! Lots of people here have had success in deleting bk's--both CH 7 & and CH 13. The way I have always seen this happen is by constructing a dispute that will force them to investigate. For example, a CH 13 is listed with the CRA as discharged 12/97, Joe Blow, Joint, 0 Assets, 0 LIabilities. In reality your report should read CH 7 discharged 11/97, John Blow, Individual, $5,000 assets, $20,000 Liabilities. The dispute would be worded something like "I, John Blow, did not have a joint CH 13 dismissed in 12/97 with 0 assets and 0 liabilities." In this case, this is a true statement. You aren't saying that you never have filed for bk. You are disputing the info they are reporting as inaccurate. The info they report must be 100% accurate, complete, and verifiable. If not, they must correct it or delete it. Also, lots of people believe that you should delete all of the "included in bk" accounts first before disputing the public record. I used this approach too; however, as you can see from this thread, that is not always the case. She had her bk deleted and TU voluntarily removed all of the "included in bk" accounts. That is a much quicker way to go and much less hassle. I have had my bk deleted by one CRA and working on the other two now. That particular CRA did not voluntarily delete the "included in bk" accounts. Because I made the giant newbie mistake of sending them my bk papers in the very beginning, I don't want to draw attention to the fact that they deleted the bk. If I wasn't concerned about that, I might cause enough of a stink to try to get them to delete the accounts as well. Good luck. Let us know how it goes. Lisa
Well all. I disputed a Ch 7 on my TU report and it has been deleted. I still have an account that states "closed in chap 7". I am disputed that and not worrying about waking them up to my bk. I figure I'm on a roll and I want to take advantage of it as long as I can. As for the BK, the plaintiff was listed as my attorney. I disputed that this account did not belong to me, which was true, and it's now gone. As for the account, I stated, "not mine". "Account refers to chap 7 which I have no record of". We'll see how it works.
I guess it just depends on "your lucky streak." I have disputed a bk that way on several occasions and have always had it verified. Congrats! It must feel pretty good! BTW how old was your bk? I have noticed that TU tends to delete items that are close to SOL. I guess they would rather do that than actually do any work.
when I applied for my car loan, the application specifically asked if I had ever declared BK, and if so when and what kind. my reports still reflect the chap13bk filed in june96. I am going to wait until Nov. or so , and then start disputing the 00assets/liabilities with EQ. I have never disputed before, not with any of the three CRA's. all negatives on the tradelines [ with the exception of being a library felon ] about five on each, are associated with the BK. I was one of the newbie dummies who sent papers to two of the three CRA's, trying to straighten out accounts that were listed as chargeoffs instead of as included in Bk. Dummy newbie mistake, didn't know any better, pre-board era..
Maggie - I did that as well - and they both helped - (TU and EQX) - but my file is similar to yours - with everything dropping off next OCT. aarrff - dogman
