Bk discharged in January 2001 but still on my credit report 7 years later

I filed BK (chapt 7) and it was discharged in January 2001. Is there any reason why it would still be on my credit report? I thought these fell off after 7 years. And if I am incorrect with my assumption is there anything that I can do to get those credit card debits that say “included in bankruptcy” off of my report?
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I am pretty sure bankruptcy shows for 10 years.
Matter of law.
The accounts included in BK should be off.
Dispute them all and say reported incorrectly. BK discharged Jan 01
Include a copy of your discharge papers.
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7 years or 10 years on a bankruptcy

I live in Texas. In 1999 I filed chapter 7, at that time I was told that it would be on my credit for seven (7) years. In 2005?? the law changed to allow ten (10) years. I need to find the OLD law were it states SEVEN years. I keep finding the NEW law. Where can I find this on-line or elsewhere? The credit bureau's insist that they will not remove the bankruptcy until 2010.
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bk are diff most states use 10 years for bk's

True Credit score went dowing after paying bills

True Credit continues to show the same scores and the same trending analysis of my "credit available over time" and my "total debt over time" using the same time frame (Sept 06 to July 07). .... I had understood that trending (and credit scores) are recalculated almost daily to give a current reading.
In July 07, I found that my scores had dropped precipitously - probably because I had less than 50% line of credit available for a time. That was the only change on my report from an earlier much better analysis. When I read your advice and immediately paid on my cards, and decreased my credit use to less than 50% . I also received an increase in the lines of credit that I have. Although these should have affected my analysis, the reports seem stuck and still list the time frame as Sept 06 to July 07...
Would you let me know why this is and if there is anything I can do to get a more current analysis?
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first i do not know your score before or after
i would think you do not have much credit or, like less than three plus rated lines of credit
and or some of the credit is local finance company high interest loans
and or you have some new or less than one year on reported to a bureau credit
and or one of your lines of credit of credit show your balance as your high credit limit.
and or some type of collection or charge off is on your credit
and or you have some inquiries that are new or piled up.

past that
i am of not much help
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I compare the report I have with scores of 701, 688, 695
and compare it to the next report with scores of 657, 672 and 681, and I don't see any change except that my available credit was less than 50% and became an issue last July.
That was paid down to at least 50% credit available on my lines of credit and an increase in my credit lines, too. I have no new late payments or charge offs/collections in the past 3 years.
My question is : Why does the trending analysis provided by Truecredit continue to show the same time frame of Sept 06 to July 07? Shouldn't these dates change over the course of 8 months? shouldn't the dates include dates in 2008? The time frame is frozen on the Sept 06 to July 07 dates, and my scores are frozen on the scores of July 07 too, despite much improved credit lines and available credit. Is it normal for scores to remain exactly the same for 8 months, despite certain changes? I just traded in my car and bought a new Prius, too, which does appear on the report...although I see it notes a credit report date of 7/30/07. I don't get it...Thank you so much for your help.
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i guess i would dispute anything not reported up to date
circle everything copies of your reports
say update my records
USE THE MAIL

I filed chapter 7 bankruptcy in 1999 in Minnesota

I filed a Chapter 7 Bankruptcy in 1999 in Minnesota. The bankruptcy still shows on, and affects my credit. It's been more than 7 years. I know some states can show for 10 years, but how do I find out? How can I have it removed?
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i would dispute as not mine
O it is was it too old or an error
Then I would decide what the next step to getting good credit

New collection from 1998

I have been working on my scores for years, and with your advice, got my score raised to 670 -680 plus. We had got approved for a mortgage when all of a sudden; a new collection pops up on my credit report. And now my score is to low to get the loan. When I called, the collection agency told me it was an old AT&T bill from 1998!!!!!!! Well, I don’t remember having this, this has been TEN years ago for crying out loud…….. and I have had a good account with AT&T for years….. Should I just dispute this with the credit beaurol, or pay, and then dispute it even being on my collections. This is most unfortunate….. $170.00 is going to keep me from getting a home loan…… What can I do to get it off my report fast? The agency can’t even tell me what the balance is for.
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demand debt validation "more than address name dob, doucument"
and debt validation follow up
explain you do not think this debt is yours
and
even if it was, it would be too old to go to collections
plan on following all your legal rights concerning this matter

The other route of course
is
offer to pay it
if the account is removed
then we can all be done with this matter.

you might post this question herehttp://finance.groups.yahoo.com/group/credit-repair/ there are some legal people here who might be of even more help

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Equifax Credit Report

Hi Bo, I have been reading your site on what to do about poor credit, because we were trying to buy a house. I wanted to ask you a question about the scoring system that is in use by Equifax. Last year I purchased there Score Watch product because I wanted to keep track of what my score. In the past I had some collections that I was monitoring that had been reported on my credit report that caused a drop in my score 10-40 points. Here lated we had paid off one of our medical bills and had the collection agency to remove it from the report. The score never adjusted one way or another. We just recently had a $2600 paid judgement to drop off after 7 years. We noticed that my score went down 5 points afterwards. I just placed a huge amount of money our vehicle that left us with $7000 remaining on our automobile. That went down from&nb sp;$12460 from last month which was a 25% decrease in the overall amount of $21300 total balance. The score never budged. Is there something that is wrong with the scoring system at Equifax or is it something that I am doing. I have not been late on our vehicle for the last 4 years but have 3 credit card charged off for which one we paid off.
My score is currently at 587. I've been talking to Equifax since February, 08 about this. Everytime I have talked to someone there, they said that they were going to place a trouble ticket on the product. Only to find out the next time I talked with someone from Equifax they found no evidence of a ticket being submitted. I spoke with a gentleman on March 21 and someone else again this week. Only after speaking with the last person whom was a manager did they admit others were having an issue as well with there scoring system.
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after 2 years old stuff falling off does not really help your score dropping from 12 on a 21,000 dollar loan to 7 does not drop you from 80% because you were not more than 80% 12/21 in the first place. getting BAD anything off your credit, reported from today, to 2 years back should help your score quite a bit. I would have to see all of your credit to have any idea how to help you. but i would assume the 3 credit cards are your big hurdle try to pay them off and, re open them, with some kind of high credit limit shows your balance owed is less than 80% of your high credit limit. as far as score problems at equifax. I do not know, other than to try another credit report product somewhere else.
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Hi again, I have 0 balances on 2 of the cards and a $1800 balance on another. Go figure. I would have though that a 25% reduction in my overall balance on my car note would have moved the score up somewhat. I have had a lot of last dates of activity being moved around. I am aware that there is a federal law against that. So the new tactic is to put N/A in that spot.
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sounds good
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Hi I have one question for you. Why would my score drop 5 points when a 7 year old judgement just recently dropped off my credit report? I thought that it would have the opposite effect, maybe 5 points gained.
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the past two years has all the weight7 years is so old it should not affect your score much at all i would assume that something within the past two years changed your score 5 points

how do you force them to honor the 7 year removal

What I am curious about is how do you force them to honor the 7 years. There is 6 things on my credit that are over 8 years old-actually 12 years. 2 things that are from 1970-which can not possibly be mine since I was only 14-but can not get them to remove them. They just ignore my letters-the 3 credit bureaus.
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file a complaint with your state attorney general

Debt coming back up after 7 years by a collection company

I had a debt sold to a collection agency and put on my credit report, it was removed after the 7 years, now that I am trying to reestablish credit, the collections agency wrote me a letter demanding the money or they would report to the credit bureau again, can they do this again?
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validate that debt legallydemand accountability with chian of ownership aqnd your signaturecontact state attorney general if they fail to validate properly

Chapter 7 bankruptcy still showing on my report after 7 years

Wow, thanks for your response, but just to clarify, you see that this (BK) was discharged on my Experian report in 1999? Yes, the 1st BK was 7 years according to old CO law, and effective 10/2005 it is now 10 years. So it sounds like the BK from 1999 should have fallen off last year. I need to have this removed (fall off).

Also, can you tell me if items that were included in the BK in 2005 should still be showing, and reporting that I paid them late, it seems that other debts,
simply do not report or show on the credit report due to the BK. HSBC and I think Premier Bank or Bank one are still showing up as negative/late pay items.
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if you filed chapter 7 then all of your past bad credit should be falling off right now
dispute anything and everything that is over 7 years old on your report.
say reported incorrectly, out of date, statute of limitations has run out

reassesed a debt that is over 7 years old

A company on my credit report reassesed a debt that is over 7 years old. Im trying to fix it but they say its mine... I have disputed the bureas and heres the thing - Its been 30 days and it still shows on my credit reports that the items are still under dispute? What can I do ?
Should I write to the bureaus and tell them to remove the items disputed because its been longer than 30 days???
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you should get a written response from the bureaus
wait for 35 days
after that
\ DO IT AGAIN
certified delivery mail

Am I beyond the statue of limitations on a credit card?

I was just wondering how do I figure out if I am beyond the statue of limitations on a credit card? Or if credit cards even apply? On my credit report it states that my credit card became 30 days overdue in April/2004, meaning the last payment that I sent in was March of 2004. Is it safe to assume the statue of limitations has exceeded?
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no
not sure if statute of limitations is the right term but 7 years is the magic credit goes away number.
7 years from date of last activity. DLA DOLA
so that would put you at April 2011
Watch out for collections on unpaid credit cards, if the card was not paid in full.
2004 does put you 2 years past today which means the lates have relatively little weight on your credit score. Make sure you have good open and rated credit now with no lates the last 24 months.
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Thanks. The card is already in collections and they are threatening to sue. It is the only thing on my credit report so I will call and see if I can get a settlement for less than what they say I owe.

Also, I read on your website that I should ask for it to be deleted from my report after I pay it, is that correct?
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you always should ask, but not expect, to get something removed if you pay in full, unless, it is a second party or duplicate account on your credit report.

Collections? are collection threatening suit or whats going on here.
If the original credit card, charged you off, then sold this account, for pennies on the dollar a collections company should not even be able to put the collection on your credit report or threaten to sue.

the original credit card can sue and report bad.

this is why the debt validation form is so needed. Make sure any second party collection has legal cause and documentation for suit.
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I received a letter from Gordon & Wong Law Group PC stating that there is a pending legal action in Superior Court and I have 30 days to respond. On my credit report it says that the account was sold to another lender.

Should I send in the debt validation form?
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you need to talk to a lawyer.
but yes you need to know what they know if you can

Mail address is incorrect and I have an account that is too old 7

And I'm not happy. First i would like to start with having an unauthorized mail address in Trans union. There's my mail address with an additional unapproved mail address. Should i contact Trans union and dispute? Second also have a an account open (CITI CARDS CBSDNA ) since 1994! Shouldn't that been deleted? And why does it still say OPEN and (Pays account as agreed)? And on legend it stating (ND). I really don't want to think the worst. Third Is it normal to have accounts display in all three Credit Bureaus.
Please advice. Any help would be appreciated. Thanks for your time
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is the mail address one you lived at once? or not. what do you mean unauthorized

if the account is open it will be reported
call citi cards. if it is not open close it i guess or use it to keep good credit for at least 24 months.

most account only report to one or two bureaus
but many do report at all three bureau that support FICO credit scores
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No I have never lived or use that address before. I mean that why would they be sending mail to that address without my authorization.
I will call citi cards. Thanks!
I have sent my negotiating letter to my creditor. Hopefully they will come to an agreement.
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you should dispute the address even tough some bureaus kick that out
say fraud
------
y

Collection came up after 7 years. What should I do?

Last week my credit union granted me $12K loan to pay off my payday loans and past due accounts. Well, I was thrilled, my prayers had been answered. Today I open the mail and there is a letter from a collection agency. I phone the agency, since I did not recall the bill and it was not on my credit report. Well, it turns out that the bill was from the 90s. It originally was a $2200 bill that my husband was suppose to pay in the divorce. Now they had added interest so the bill is $6200.00.

I am not trying to ignore my problems or bills. If I had known about this bill I would have put it in my consolidation loan. I wrote a letter informing the collection agency that I did not have $2200 to pay the lump sum for the settlement. I am requesting that they reduce it to $1500 and allow me to pay $100 per month for 15 months.

I just do not know why this bill appeared after all these years, and what happens if they do not take the $1500 offer?
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validate that debt
with vigor
1990's means it is more than 7 years old.

if they can't call your state attorney general, the ftc, the bbb

Repossessions comes of in July. Will it help my score and how much

I have an equifax score of 586. I have a repossession that is due to come off of my report in July. Will this improve my score? If so by how much would you guess.

The other 2 scores are 640 & 641.
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really it souldn't help your credit score at all
if you have 3 open and reported lines of credit to equifax that show at least 12 MR months of reporting, then it should not help.
if this is the only thing on your report it will drop your score to 0'
it sounds to me like you don't have 3 lines of open good and rated lines of credit at equifax with no lates in the past 24 months.

it will eliminate some problems wih financing at major good credit lenders. Many lenders will disqualify you for a collections repo or bankrupcty right of the bat. So this is a good thing, it just shouldn't help your credit mch because it is so old and you have have new good cedit to over ride the old bad credit.

obviously each bureau has different data on you as the scores are different

Statute of limitations on my credit report

If the Sol has run out on a dept to be collected which is 6 years in my state I think (I am in Arkansas) on a charge off or closed account can you have them removed by the credit reporting agency? Or do I have to wait to they drop off in 7 years.
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7 on credit
if its thats old it should be hurting you much anyway with new good credit
date of last activity is here on your report

how long do judgements stay on your report and can you have them fremoved after the time passes

What is the time that judgements and collection items are allow to stay on your credit reports. And after that time has past and they are still on the credit report, Can I request for them to be remove?
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7 years
yes you can
use this form
www.oskie.com/credit-dispute.htm

Account scheduled to go off record in 2008

I'm not sure what it really means. OK here it goes , on one of my accounts says

"This account is schedules to continue on record until May 2008"

Does that mean that it will come off at that time?

Thank you for all of you help, and your web site it great keep up the good work
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recorded within the company?
recorded and reported to a bureau or bureaus?
transunion equifax experian

the answer would be to look at your credit report now
and
check date of last activity on the same account.

and while your at it, all your accounts.

2008 would suggest the date of last activity would be
2001 last payment activity on this account 000111

remember accounts inactive for more than 24 months will
never help your score.

Trying to purchase home and 7 year old debt is in collection

Have been reading your web page and you include some really great advice, but i do still have one question. My husband and i are trying to purchase a home and there is a collection in my file hurting our chances and making our score low. The thing is i have no idea who they are. They are called Portfolio Recovery and they say i owe $63.00. Not much right?? Well when i called they said i owed $2,000. When i asked who the original creditor was they said Capital One and it was an account opened in 1998 and last act shown was 2000. Can they do this?? This is 7 years old. I dont even remember this account honestly but i can say that right after high school and attending college this may have been a credit card i let go. But it would be so difficult trying to obtain records 7 years ago. What advice can you give me to get this taken off my credit report file? I want to dispute it but maybe you can give me some key points when doing so.
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use debt validation
then the follow up if needed
then contact your state attorney general
if they cannot give you full details with legal documents showing you owe this money and they a legally able to collect it from you.

Medical bill charged off and sent to collection agencies.

Hey Bo I wanted some advice. I have some medical bill and I have paid them. They were with collection agencies. Can I still have them remove the bad information? What do you say to them. also with charged-off credit cards what do you say?
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one must negotiate BEfor you pay to get the bad marks off

the credit cars are a different story
pay them off
then reopn the same acount with a downpayment
call and tell them before hand you are trying to be a reasonable credit worthy person and need help

after 6 mo, 12 mo, 24 mos
ask them to report only the past 24 month preriod
since these are revovling credit lines
they usually only report the past 24 months anyway
so your not asking for much

i did it with a bp oil card
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Bo what about with cards like capital one. I have a charge off account and they are still charging me interest. what do you suggest?
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call them
ask for some way to get back in good graces
be willing to pay a downpayment on top of what you owe
ak for help with interest and penalties

explain you are trying to buy a home and be a reasonable credit person
ask for help
you are a ood person who had some problems
just give me a chance
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Bo I wanted to ask you if old accounts are removed say tha have passed the statue will that help you beacon.
---------------------
yes but not much
as accounts from today
back two years
count for 80% of ones score

7 years is when account comes off your report
so keep good recent credit open

http://www.oskie.com/raise_credit_score_fast_quickly_free.htm

http://www.oskie.com/get-new-good-credit-started-have-no-credit-got-turned-down.htm
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Bo I am confused about the validation? I do have charge off accounts so do I just sent the letter and what happen with the account while it is being validated. I am in the process of trying to settle with a collection company for Sams card I asked him if they would remove it or show it paid in full. But he said they did not do that. Did I ask the right thing? What are my other options?
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validation is best used for collections from second or third parties

sams is a first party
so validation is not what you need wuth sams

you have done right with them
try to get them to remove if paid in full
if they will not ask them to settle for less, and mark paid in full
if they will not do that ask for marked paid in full with no new date of last activity at least, if you pay in full

How do I get 30 day late payments on my car loan off my credit report

Is there a way to get rid of the 30 day late payments on my credit report? I was reviewing my credit report like you said and I do not think I was as late on my car payments as the car company is saying. I even printed out my payment history with them and it is not clearly evident that I was late nor on time. Do you have any suggestions?
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car loans and home loans are the hardest thinsg to get off my credit report AFTER.
While im in active, 30 days, 60 days, 90 days late after, most installment loan company will make a change.
if i have recipts or bank statements contradicting my credit report

it sounds like you have already tried this and it did not work.
so i doubt very seriously that you will be able to get these removed.
the best thing to do about this it to get it all 2 years or more behind you and keep good rated, reported credit going.
if you keep good credit open, when 2 years pass the 30 day late marks will have little or no effect on your credit rating

credit is real and sometimes it is best to learn and go on.
you can dispute these items with a free dispute, but ou have already called them directly. So the chance of anything different happening is very slim

on other suggestion would be to pay the loan off as quick as possible.
the quicker you can start the date of last activity on that account the quicker the account will be gone off your report.
as it stands your report will continue to show you were 30 days late for seven years after you pay off the account in full.