Disputing B.K. - CRA's

Discussion in 'Credit Talk' started by Todd, Oct 10, 2000.

  1. Todd

    Todd Guest

    Can anyone explain this to me? Is a B.K. listed twice on your credit report; ie. as

    1. public information
    2. each individual account affected.

    I received my Experian credit report and I do not see a public information section. Just a listing of the 3 credit card accounts affected.

    Hey, just one more question. The 3 accounts all have different dates mentioning the B.K. They say "as of March 1999" or "as of August 1999". I files for B.K. in November 1998 and was discharged in February 1999. Can I amke them change the dates to November 1998?

    Thanks Todd
     
  2. mark

    mark Guest

    It's so funny,I have almost the same situation here. I file B.K. on November 1st 1993 and it was dismissed in April 1994 because I did not have sufficient debts for cause,but on CR , it shows B.K.,but doesn't say that it was dismissed.Do I get copy of dismissal and send to CR? It's listed under public records! None of my 3 CR's are the same.B.K. only shows on Eperian report with no document of dismissed! Does dismissed and discharged mean thesame thing?
     
  3. Todd

    Todd Guest

    Don't know. Maybe someone can

    This whole B.K. date thing is confusing to me and I don't know if dismissed is the same as discharge.
     
  4. Chet

    Chet Well-Known Member

    If the bankruptcy was "dismissed" it means that the BK was not allowed because you did not have enough debts to justify a BK. When a bankruptcy is "discharged" that means that the BK was successful and you are now legally discharged from your debts.

    hope this helps

    chet
     
  5. mark

    mark Guest

    Thanks alot!!!!! chet wrote:------------------------------- If the bankruptcy was "dismissed" it means that the BK was not allowed because you did not have enough debts to justify a BK. When a bankruptcy is "discharged" that means that the BK was successful and you are now legally discharged from your debts.hope this helpschet
     

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