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Discussion in 'Credit Talk' started by DustyRoads, Nov 2, 2015.
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The time period is roughly 7 years from the time the first payment was missed that resulted in adverse action.
You would want to consult an attorney to see EXACTLY how your situation would be.
You may want to look at Johnson v. MBNA; and try a similar dispute to see whether you may be able to get it off any earlier. The difference being Johnson was only an AU, not a co-signer, but if the credit report is reflecting the BK status on your report in any way, I would think a dispute of *THAT* would be potentially productive.
I typically look at every part of the entry to see if there is anything which is remotely incomplete, inaccurate or unverifiable and dispute those things specifically. (The more complex the better. But of course, that's because I am looking for a reason to file.)
Have you tried disputing with the credit bureaus per jam's advice DustyRoads? If so, I'm curious what response you received. Will you please come back and give us an update on your progress? Thanks!