Can BK dispute work with CRA's?

It is definitely possible to get a bk removed. I did it. You need to find any little inaccuracy in the listing of the bk such as wrong dates, wrong amounts, etc. The dispute it as never filed a bk on such and such date. Please delete.

 

LKH...how do you do it if there aren't any inaccuracies? I never would have believed it if I hadn't seen it...lol. My poor hubby.


L

 

From LKH's comments, it looks like the key is not to tell the CRA what the correct info is! ie: if the date shows "BK as of 5/14", but the actual date was 5/13, then you simply state "I never filed for BK on 5/14. Please Delete". Hopefully this helps.

 

I disputed a bk about 3 weeks ago. It was riddled with errors including name on the bankruptcy. I have never heard of this person. There were probably 5 other errors. I have disputed this before and it was verified with nothing changed. I am assuming that the SS #'s match up therefore "bingo" it's a match! How would you get around this?

In my particular case, I did file a bk. All that is right about the listing is the fact that a public record of the bk should be there. That's it. Everything else about it is wrong.

 

LKH, also which bureau removed the bk?

 

Hey two of the cra's list my husbands BK two weeks earlier then it really happened. So I should dispute that. How do I dispute (That is not my BK) If they check the courts for the bk on that day it wont show or do they use ssn. I never thought of disputing it because of errors as I knew it was his.

 

I wouldn't send in 2 or 3 disputes along with the BK. Just the BK. Sometimes the dispute will sit and sit at the courthouse and either get thrown away or ignored. I have not had a public record verified yet. Charlie

 

Before you dispute any public record, go on line to "your State" courthouse.com,or do a google search for your County courthouse records.In many States now, all public records are on line, so all it needs is a clerk punching in your name or the file # they already have to verify.

 

What Why Chat is true. What you hope for is that they send the dispute card by mail to the ct house and the ct house clerk doesn't respond. I had the bk deleted from all 3 bureaus. I will admit that I disputed as not mine, even though it was, but, I wouldn't recommend that you lie in your disputes.
What Javan said is exactly what I meant. My bk showed as assets - 0, debts - 0. With Exp. I said why would I file bk if I had 0 debts? Incorrect info please delete. Don't ask why they did, but, they deleted it.

 

A CRA (and a CA) cannot use postcards. Why would they spend postage + return postage + time and effort to mail an inquiry when they can do it with a few mouse clicks? Plus,considering the literacy of the clerks who input information your chances of deletion of the BK are higher if they access the database.
If your info doesn't match exactly when YOU look it up, it's a cinch to be removed if you dispute it.(same thing with judgments)

 

I know ca's can't use post cards. I don't know if there is a law on cra's using them for verification or not, however, I can say that the attorney for my local experian affiliate told me in no uncertain terms, that when a dispute is filed by a consumer, they send out a card requesting verification.

 

Regarding bankruptcy cases being online. The Minneasota Bankruptcy Court database is searchable for free at http://www.mnb.uscourts.gov/ You can even download the actual bankruptcy papers debtors filed. Other court databases can be searched for a fee. There is also a free telephone database service you can search BKs by SSN.

Tim

 

LKH, how did you do it? I have tried that and it comes back verified, i had assest .00 and debits.00

what would you think my next step would be to do??


thanks