How to dispute archived BK

Discussion in 'Credit Talk' started by tmitchell, Aug 19, 2003.

  1. tmitchell

    tmitchell Well-Known Member

    If a BK has been archived by the court, what is the best way to dispute and what are the chances it gets deleted?
  2. LisaMc

    LisaMc Well-Known Member

    From what I understand, it can still be "verified" if your case remains in Pacer (the court's system). You can get access to Pacer for free. I did just to see what was there. Check to see if your archived bk still resides in Pacer. How do you know it is "archived"?
  3. Phreedom

    Phreedom Well-Known Member


    Just looking at the progress of your scores. How did you get them up so fast? Thanks!
  4. tmitchell

    tmitchell Well-Known Member

    I called their automated line and searched by my SSN and case #. Both turned up empty. I've done searches like that before and always got a hit on my SSN & case. I called the courthouse and the lady couldn't find it and told me she'd transfer me to archives. I hung up at that point.

    BTW - I'm waiting for my PACER access to arive in the mail.
  5. LisaMc

    LisaMc Well-Known Member

    So what exactly does "archived" mean? How old is it first of all? Does it mean that the whole case # is somehow taken offline (ie like off sight storage or something of that nature). I remember on the front of our bk paperwork there was a page that read "keep this copy! Failure to do so will result in a $50 fee to have a copy made from an offsite location." I didn't realize that also meant that it could come out of their system for verification. Hmmm......
  6. tmitchell

    tmitchell Well-Known Member

    It's 5 yrs old. I'm not sure what "archived" means either.
  7. tmitchell

    tmitchell Well-Known Member

    Another question comes to mind as I prepare to dispute this on the other two reports. What does the CRA use to verify? Do they submit name, address, SSN, case #, etc? How much help would it be to have my old address removed prior to disputing?
  8. jlynn

    jlynn Well-Known Member

    From my understanding they have to verify two pieces of information. Not having a matching address takes out one piece of the puzzle :)

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