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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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

filed chapter 7, removing lates

My attorney advised me to stop paying all debt since I was declaring Chapter 7 so I did. The lates are still reflecting on my credit which really doesn't allow it to go higher. One of the credit agencies told me that the others should not be reporting the lates, It should only state included in bankruptcy O balance. Is this correct?
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i think it should state included in banktruptcy
not sure about the zero balance thing
i guess it should show that
or charged off in bk for X dollars zero balance
for sure the past bad credit entries will not come off your report totally

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

Collection sold and sold and the 7 years keep getting changed

In 11/2006 I request to all 3 credit bureau's that they have a collection removed. The collection agency first reported the debt in Sept 1999 on all three credit reports. All three removed it because it was past 7yrs. I was aware that the collection agency could have sold the collection account since there 7yrs were over to another agency. So I checked my report in March 07 & June 07 to see if they sold the collection and if the new agency were now reporting debt nothing was there. I received collection letter today from the same 1999 collection agency request the debt be paid in full and amount went from $1300 now almost $2600. I looked at my credits report this same agency have added themselves back on my credit report trying to collect same 1999 debt under the same name, same office address & account number. They didn't sell it to anyone else they simply started reporting it again. Are they able to do this. What actions can I take against this company for reporting debt again after 7yrs?
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click here
make them validate the debt
then follow up

Erasing a chaprter 7 bankrupcty from equifax transunion experian

Dude, from what I can tell your info is accurate and free. Thank you. I was an Equifax employee for 3 years from 1986-89. Things have changed quite a bit, but still resonate the same. I am wondering if you have any other suggestions for erasing a Chapter 7.?
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Not really
One can dispute anything on the credit report and hope it comes off.
Public records almost never can be disputed or are disputable.
If you have new good current credit and the bankruptcy is older than 2 years.
Your score should not be affected much by a bankruptcy.
Of course all credit falls off my report in 7 years.

filed chapter 7 2002 score checked for employment job

I filed Chapter 7 Bankruptcy in 2002. Currently, I have five open lines of credit, all in perfect standing. I checked my credit reports in Oct. 07, and the scores were 659, 640, and 710. This past weekend I rechecked, and the 710/Experian score had decreased to 619, while the other two scores had increased to 690 and 692. I paid off my car loan in October, with no late fees or negatives. I have examined the Oct. and Nov. credit reports and I am unable to determine any cause for the rapid score decline reported by Experian. My credit will be checked this month for employment purposes and this score is an important factor. Please advise.
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i think you will be ok on your job check
unless they dont hire people with a bk showing
620+ is the standard for people with good credit
680 is average with no lates payments ever in thier life
If your credit the past 2 years os strong you should have no worries.
have an explanation for the bk


I can not make a decision about a report I cannot see.
So thats all the advice I have I guess.
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Thanks for the advice. I just discovered your web.site and have found it extremely informative. One more question. Experian also reports a last name I never used in the personal information section of my credit report. Previously, I co-owned property with an individual and it is this person's last name and my first name. I attempted to dispute this information online but was directed to call. When I called the number, there was no appropriate option nor could I get past automated symstem. Write a letter?
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Bo
Go here > Dispute form and dispute the error
anything old
anything inccorect

Chapter 7 Bankruptcy

I filed Chapter 7 in 2002 and it was discharged in November 2002. Can I get this removed after 7 years? Is there any way that I can work with the bankruptcy court to pay all the creditors what I owed at the time of the discharge and have the bankruptcy removed earlier than 7 years?
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No. Chapter 7 is a matter of law and a final unchangeable fact.
Just get new good credit and do this
Get new good credit that reports to bureaus
The total Visa reports to all three bureaus.

Chapter 7 bankrupcty. Dishcharge bills on report

Hello Mr. Majors!
In 2001 my husband and I have jointly filed for chapter 7 bankruptcy. I recently got a copy of my credit report and I saw that one of the accounts that was supposed to be discharged is listed as open/in collection, the balance and the fact that it was last reported in May of 2007!
What to do???
I have a copy of the file and the discharge letter. Can I get a copy from the court with a list of all the accounts that were discharged?
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I would dispute it as paid included in bk
see what happens and go from there
Free universal Credit Dispute From

negotiate, after bankruptcy, Chapter 7, duplicates, duplicate

Hello my name is Elena. First let me say AWESOME SITE! I have yet to come across a site with so much information and real life help...and im on the web alot! I build website and come across many websites, but anyway my reason for emailing is obviously credit related. We have been in a lease-to-purchase program for the last 8 months and we are supposed to be ready to buy the house come the 1 year mark in December of this year, however the process requirements have recently changed which require us to have the 3 open lines of credit [where as when we first signed up we just needed one] and a score of at least 620 [where as when we first signed up we only needed a 580]. Now my score has been climbing at a pretty nice pace since Jan with the following FICO scores: 548, 568, 568, 574, 588, 604, 607, until this month now its 594 [im guessing it has something to do with applying for new credit accounts as instructed to do so by the program people] but my questions are :
- how do i negotiate and "TALK BUSINESS" with creditors/collectors to remove my account from my report prior to paying? Im at a loss for the proper script i should reference, questions I should ask, the method of approach when asking etc.
- would email or fax documentation work as good as snail mail via the usps? and what should i request the documentation from the debt collector read?
- my credit report has duplicate accounts listed for experian in particular and it showing in the overall totals of total accounts and detogatory accounts and balances owed...is this hurting me too? and is so what can i do about the duplicates? would i treat them as a normal dispute?
- my public records are also showing for experian as duplicates showing I have 6 when there should only be a chapter 7 filed and discharged back in 2002, is there anything that can be done about this?
- i had a judgment that was filed in 2000 that was included in my chapter 7, should it still be showing in my report? and again multiple times as duplicates in a row?
- how would i [if i even can] show i have been self employed since 2001 on my report instead of no employer reported? We have also had to recently acquire a car loan this past week and it doesnt even show yet on the credit report so Lord only knows what that is going to do to my account but we are obviously looking to make some drastic [which i know is not ideal in the credit repair world] but some drastic actions to meet the new requirements to purchase this house by the 1 year mark for being in this program. I have recently been approved for a capital one card which after reading your article on that I will be sure to keep it at a zero balance and paying it off immediately after use if it is used at all. The problem started with our credit a few years back my husband was in and out of work and it really hit us hard but now for the last 1.5 yrs we have started another business to put us both as the self employed status and it has been going wonderfully and we are making more money now then the last 5 years of our marriage which allows us to get caught up and not fall behind again, anyhow now that i am rambling THANK YOU VERY MUCH FOR YOUR TIME! It is much appreciated.
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Negotiate
Dispute the duplicates and hope. Use the form above to get one removed
http://www.oskie.com/after-bankruptcy-credit-report-repair-credit-card.htm
Bankruptcy
Judgemtents should only show up once. Dispute duplicates.
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You can't. Employer shows up when you apply for credit and state you have and employer. What you would do is say I work for xyz compnay. I own it. And a potentail lender would then show xyz as being your employer when you applied for credit with them and it will reflect on your report.
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Does the auto lender report to bureas? Some do not. Takes 1 year to get a rated credit line anyway.

Chapter 7, Judgment removed from credit report, 7 years

I filed chapter 7 bankruptcy in va w/out an atty.All went well w/the creditors meeting on 5/22 and my current credit report reads; chapter 7 voluntarily discharged. however, i still have judgments on my credit report most read N/A under status and most are date from 2001 to 2004. how can i get these removed from my credit report?THANK YOU!
Get Judgement removed from credit report.
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"majors@oskie.com" / to Get Judgement removed form credit report /8:29 am
Judgements are matters of law that are not only permanently in court documents but are also filed on your credit report for 7 years and are not removable.
If the Judgement was not carried through in court and you included the account that was to be judged in your bankruptcy before the Judgment was carried out in court, then you might get them removed.
So you tell me what happened.
I would say they are too old to worry about now as they are both more than 2 years old. Get new good credit started here and do not look back.
http://www.credit.com/r/problem_credit/af=p39646&ag=
keep one or 2 of these open one year and your score will steadily rise as long as you do not go late on anything anymore.
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I thought they were too old to worry about as well. I think the last one was filed in 2004 HOWEVER i was looking into getting a mortgage as a first time homebuyer w/a cosigner and was told that until the judgments are removed i cannot get the mortgage as they will attach my house for pmt.
I did call 2 of the creditors and asked them about these judgments and they told me i had 2 options 1) pay them and they will remove them or 2) sue them
I said well i can't pay them (they are over 15000.00 medical bills) and they were included in my bankruptcy. she literally said"too bad then sue us if you want them removed"Is that even legal to do?thanks for the help
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I am sorry to say YES that is perfectly legal and their right by FTC law to collect monies owed.

Like I said before.
Did you get judged before your bk or or after?

If it was included in a bk and you have papers stating they were included file that to say the judgement has been satified as it was included in you BK.
use this form and maybe a 50 word letterSend it to the bureau and say account not reported accuratly. Included in BK. Paid
http://www.oskie.com/credit-dispute.htm
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I do not think that a prior legal judgement can be included in a BK.
matter of law
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so i do need to file a motion to avoid lien then? thank you for your help. I'm pretty surenow i will need an atty at an expensive cost. how can they not act on a judgment yet leave it there? i'm looking at my credit report as we speak.all of these companies were included in my bankruptcy and still they are not reporting as such. I did have 1 creditor who had a judgment against me, when i filed the bankruptcy i recieved a letter from them stating that the judgment had been cancelled. ?? why could they do it and not the others?
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http://www.oskie.com/after-bankruptcy-credit-report-repair-credit-card.htm
read the first part of this page
I do not know. But I guess you filed for BK before the judgements went through court
thats like my third time to ask that question.

I would say if the accounts were included in you bk please use this form and make sure the accounts are listed as they should be.
http://www.oskie.com/credit-dispute.htm

Wow

I am not a legal consultant but it sounds to me like you need some legal advice.
Might try a bankruptcy forum on yahoo questions. usually a lurking lawyer will answer the leagalities of issues.

Of course credit reporting is fraught with errors and most misreporting can be labeled as just an error or oversight when in fact it was intentional and deliberate to make one credit bad in light of non payments.
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I apologize but i thouught i answered that questionn. Yes they were filed before my bk. some were filed in 2001!and are listed as N/A (i think that mean no activity) I appreciate the help you have given me thus far. I will take it under advisement and also contact a bk atty for a free consultation too see what they say.THanks again!You have been a helpregards,

Filed chapter 7 7 years ago. Will my credit score increase when it come off my report?

I filed a chaper 7 in early 1998. When it is deleted next year Im hoping my credit score will increase. I haven't been able to find any info on how much it will impact my credit score. Do you have a rough idea how many points a persons score usually goes up when a Chapter 7 comes off their file??

Thank you
Will my score increase when my chapter 7 comes off my report?
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"majors@oskie.com" / to Chapter 7 Will my score go up? / Jun 25
It should have almost no impact
IF
you are already "Working the Credit Help Program"
you have 3 open and rated lines of credit.
All of which should have more than 2 years on the books by now.

It will have very little impact if any
2 years back from today is 80% of your credit score.

You might get 10-25 points.

Will my bad account be removed from my credit report when I file Chapter 7

Hi Bo, I’ve had a Chapter 7 discharge since Jan. 07, that included a foreclosure. The 1st , 2nd , and one credit card are still reporting me 120 days past due. Are these creditors required to remove their info from my report, or do I need to send dispute forms? Thanks for your help, BJ
Reply
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"majors@oskie.com" / to Will my bad account be removed from my credit report when I file Chapter 7? / show details / Jun 22
No creditors are not required to remove bad credit marks from my credit report when I file and discharge a chapter 7.
In fact all bad payments will show for seven years.
The worst effect is for the first 2 years after the bad credit's "date of last activity".
So it is very important to get and keep new good rated credit.