If I had a CRA remove all BK from my report, how would I go about removing the accounts from collections or charge offs that say something about BK? Do I risk having the BK reappear? I would think not seeings how it is gone now and besides, no one reports a BK. There are reps from the CRA's that collect it from the court houses. How would you go about doing this? SnakeMan
I got TU to drop my BK. After that, I redisputed everything and all accounts mentioning the BK dropped off after a couple of tries. MBNA is the only hanger on, and they list only as a CO. No mention of BK. I did all of that in Dec-Jan of 02-03. The BK has not returned. Who dropped yours, if you don't mind sharing? I still want to get it off EQ and EX
Experian deleted all three. (only 3 out of the 4 was reporting) Equifax deleted 2 of 4. TransUnion deleted 3 out of 4. So now, EQ just tells me (by phone just now) that I can send them the Articles of Inc. and they can update my account for me. What does update my account for me mean anyway? SnakeMan
Be afraid! Be very afraid! The Gurus here will tell you never send a CRA ammunition. If there is anything that can bite you in that info, they will use it for the next 100 years as ammunition to ignore you. Get the Gurus' opinions on it.
I understand, but the articles of inc. just show the date filed, the state seal, and some head honcho's sig at the bottom. What harm could that be? Also, after a couple of the CRA's verified info somehow that I actually had a settle for delete agreement with collection accounts, I called the CRA's back and requested that I send a fax of the letters the CA's wrote to verify the accounts were to be deleted. I think that info is ok but what about sending them a settle for delete letter if I have no letter from one of them? Could they go by the book with the FCRA and say that they wont delete known true info? SnakeMan
I sent in several settlement letters (I guess I broke the rules). It took several times, but they deleted. No question about none true info. I personally don't see a problem with sending the other papers. But I have not experience with such, either. Any other thoughts out there??
Re: Re: BK removal but CO remains, but... Try PrivacyGuard - they have a 3 month trial for $1 (one dollar).
Re: Re: BK removal but CO remains, but... The problem with sending something showing it was discharged is that YOU JUST ADMITTED TO BANKRUPTCY. That's what people mean about giving them ammunition. Now they can go check the records and put the public record back on. How can you dispute if off if you just gave them the confirmation that you declared BK?
Re: Re: BK removal but CO remains, but... What? The docs I was reffering to were Articles of Inc. and letters from CA showing their agreement ot delete. Am I missing something? SnakeMan
