Can a bankruptcy be removed from your credit report?

[chane]

Originally Posted by willdecided

Hopefully Chane can help me with this, but if not, someone else. I have a Chapter 7 that was discharged in 2001. All of the accounts that were discharged are now off all 3 credit reports. I see that some people have been successful with removing a Chapter 7 from there reports and the sample letter above seems like a good one.

A couple of questions for you: If I send the above letter to all 3 credit agencies, do I have to send a copy of my credit report as well?

How do I send the letter? Regular mail - USPS (with the option where the person who receives it has to sign for it?

Is it true that public records can only be verified in person? The reason I ask this is because back in 2005, I wrote to the court house about my chapter 7 and the woman who I was in contact with, scanned the forms and emailed them to me. But, did she do this because I was the person who was involved with the chapter 7, or can anyone email the court house and have my information emailed to them?

Any help would be appreciated.

Thanks.

I always just send disputes by regular mail and have had great success. You don't have to send a copy of your credit report, just a copy of your driver's license and ss card or utility bill.

I'm not sure how it works, but they won't email the court house. If anything they will check with Lexus Nexus or E-Oscar. Just be persistent and follow up with a letter letting them know that you know that they didn't verify it.

[thestockman]

Chane,

Trying to reach out to you man. I have removed all IIB accounts, it's taken some time. Experian is still a joke, and I get tired of speaking to some moron in India or wherever, where they read from a script and refuse to actually verify more than an account number and a name.

Sorry for the tirade there.

Neverhteless, my BK says that I have zero assets and zero liabilities, both are factually wrong. How can I force the bureau to actually have the account reported accurately?

Are there supposed laws that I can put in a nice letter and fax a summation and a copy of the errant report to them, quoting laws, etc, etc, cases, ... and be able to hold them accountable?

I actually called Equifax, and did not lie, I just stated some of the above to them, and said that if the file is inaccurate and/or incomplete that they must remove it, ... and I asked them to specifically investigate the zero liabilities and assets, otherwise why would a person file a CH-7, ... they told me they'd investigate and send over those notes in the dispute.

Any magic out there? Any examples or success stories about how to have it removed utilizing any of the above, or is it a crap shoot?

[chane]

Originally Posted by thestockman

Chane,

Trying to reach out to you man. I have removed all IIB accounts, it's taken some time. Experian is still a joke, and I get tired of speaking to some moron in India or wherever, where they read from a script and refuse to actually verify more than an account number and a name.

Sorry for the tirade there.

Neverhteless, my BK says that I have zero assets and zero liabilities, both are factually wrong. How can I force the bureau to actually have the account reported accurately?

Are there supposed laws that I can put in a nice letter and fax a summation and a copy of the errant report to them, quoting laws, etc, etc, cases, ... and be able to hold them accountable?

I actually called Equifax, and did not lie, I just stated some of the above to them, and said that if the file is inaccurate and/or incomplete that they must remove it, ... and I asked them to specifically investigate the zero liabilities and assets, otherwise why would a person file a CH-7, ... they told me they'd investigate and send over those notes in the dispute.

Any magic out there? Any examples or success stories about how to have it removed utilizing any of the above, or is it a crap shoot?

Why not dispute it and try to have it completely removed? Why would you want it updated? Updated or not, it is still a huge negative for 10 years.

Tell them to verify it or delete it. That's all you need to say. (The secret is they can't verify it and by law must remove it.)

[thestockman]

Chane, believe me, I don't want them to update it, I've actually just been trying to have them verify each facet of the listing.

I have asked for them to verify it as you stated in your reply, and I'm assuming you meant to verify the listing in general, etc ... but while I have tried this, and actually sent in the dispute for verification a couple times, it just keeps coming back "verified".

What would I do next? Given they say verified, can I then move to the "method of verification?" ... is there any other way of catching them in a lie or failing to actually do a 'verification'. We all know they either E-Oscar or look at something even though they attempt to tell you that they verified directly with the courthouse. but how can we catch them in this lie or falsehood given the courthouse doesn't verify anything?

[chane]

Originally Posted by thestockman

Chane, believe me, I don't want them to update it, I've actually just been trying to have them verify each facet of the listing.

I have asked for them to verify it as you stated in your reply, and I'm assuming you meant to verify the listing in general, etc ... but while I have tried this, and actually sent in the dispute for verification a couple times, it just keeps coming back "verified".

What would I do next? Given they say verified, can I then move to the "method of verification?" ... is there any other way of catching them in a lie or failing to actually do a 'verification'. We all know they either E-Oscar or look at something even though they attempt to tell you that they verified directly with the courthouse. but how can we catch them in this lie or falsehood given the courthouse doesn't verify anything?

Write a letter to the courthouse asking them to verify it. More than likely, they will tell you they only can in person. Make a copy of that letter and send it to the CRAs and let them know that you know they can't verify it unless it's in person, so demand method of verification or deletion.

[willdecided]

I sent a letter to Transunion during the first week of January seeing if they could verify my Chapter 7 from 2001.

I received a letter today and this is what it said.

Re: Verification Documents not Available.

We store information in our records as it was supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly.

Aren't they suppose to delete it if they can't verify it?

Chane, what else can I do?

[Trish]

Hi will,

Did you send a letter to the courthouse yet? If the CRA is telling you to go to the furnisher of information.......write the courthouse and include a self addressed stamped envelope. Tell them you were told to contact them and that you needed to see what their procedures are for verifying information with the CRAs.

More than likely, they will write you back stating they DO NOT verify information with the CRAs (because they don't). Then you take a copy of that letter and redispute with the CRA.......demanding them to delete it.

[willdecided]

Originally Posted by Trish

Hi will,

Did you send a letter to the courthouse yet? If the CRA is telling you to go to the furnisher of information.......write the courthouse and include a self addressed stamped envelope. Tell them you were told to contact them and that you needed to see what their procedures are for verifying information with the CRAs.

More than likely, they will write you back stating they DO NOT verify information with the CRAs (because they don't). Then you take a copy of that letter and redispute with the CRA.......demanding them to delete it.

No, I haven't set a letter yet. I will try to do that this weekend. In my letter, do I provide any personal information about myself; do I need to furnish ID or just say what you mentioned above?

When I send the letter from the courthouse back to the CRA and they don't delete it, what am I suppose to do? Isn't there a law that states that if they can't verify information, it has to be deleted? I am trying to find out where I read that.

[Trish]

No, you don't even have to put your information in there. Just ask what their procedures are for verifying records with the credit reporting agencies.

Once you dispute again, if it is not removed........you can file complaints with the BBB and the FTC. Then resubmit your disputes with copies of the complaints demanding deletion.

[Phantom]

Sure you can do it yourself I did. It like any other dispute. If they can't verify for any reason, time up , file out of place, someone on vacation, etc.,etc, it gets deleted. The problem is someone could take notice down the road and place it back on your report.Then you are back were you started.