Can a bankruptcy be removed from your credit report?

[johnson]

Just a follow up to this thread.

Well, it seems some BK Courts DO verify info directly with the CRAs, via a simple phone call. They don't do email or electronic verfications, though. I happen to live in an area where they do. The CRA can call, ask about the BK, and they'll tell them if it's on record and filed. Don't know how much more they tell them, but it's a fact they DO verify some of it on the phone.

I just talked to the BK courts today, in person. They refused to give me their procedures in writing as well. Very, very frustrating, because I know it's not being verified via the courts when I disputed. If it were, the errors would've been corrected. HELLO! That's not their concern, of course.

I'm glad some of you live in areas where the courts do not verify. I do not, however. They really do not wish to get involved in your disputes, either, or help you in any way. Good luck to all...this method won't work for some of us.

[Astkhik777]

Hello there

I wrote very good letters and send to 3 credit agencies, experian update it and trans union update it too, they did not remoove it i did file BK in year 2000, they update it as it was filed in 2001 and did not remove it, what should i do?

[Trish]

Originally Posted by Astkhik777

Hello there

I wrote very good letters and send to 3 credit agencies, experian update it and trans union update it too, they did not remoove it i did file BK in year 2000, they update it as it was filed in 2001 and did not remove it, what should i do?

Hi Astkhik
So the BK was actually filed in 2000?
What state are you in?

[Astkhik777]

I live in California and it was filed in Woodland Hills court house...is there any help"? they verify it but put wrong date on it...2001? that is a wrong year i file in 1999 and was finlaized in 2000 january<3

[Trish]

Originally Posted by Astkhik777

I live in California and it was filed in Woodland Hills court house...is there any help"? they verify it but put wrong date on it...2001? that is a wrong year i file in 1999 and was finlaized in 2000 january<3

Sorry I should have also asked what type of BK it was.
A Ch13 BK stays on your report for 7 years. Ch7 BK stays on for 10...

Either way, reporting the wrong date is bogus......but if this is a Ch 13, then it can be disputed as obsolete.

[jjgross]

Originally Posted by Trish

Sorry I should have also asked what type of BK it was.
A Ch13 BK stays on your report for 7 years. Ch7 BK stays on for 10...

Either way, reporting the wrong date is bogus......but if this is a Ch 13, then it can be disputed as obsolete.

Hi trish in california loving it breathe better poor as hell though.If you get it removed beware of ca's jdb's trying to collect on old accounts because of the removal,have them correct the date at the court house,if the date is wrong if you dispute it they can correct it and claim bonafide error.So you might leave it alone unless your seeking a large loan.:D

[Trish]

Hey there jj.....good to have you back.

[deletedelete]

Originally Posted by johnson

Just a follow up to this thread.

Well, it seems some BK Courts DO verify info directly with the CRAs, via a simple phone call. They don't do email or electronic verfications, though. I happen to live in an area where they do. The CRA can call, ask about the BK, and they'll tell them if it's on record and filed. Don't know how much more they tell them, but it's a fact they DO verify some of it on the phone.

I just talked to the BK courts today, in person. They refused to give me their procedures in writing as well. Very, very frustrating, because I know it's not being verified via the courts when I disputed. If it were, the errors would've been corrected. HELLO! That's not their concern, of course.

I'm glad some of you live in areas where the courts do not verify. I do not, however. They really do not wish to get involved in your disputes, either, or help you in any way. Good luck to all...this method won't work for some of us.

I have had similar results twice now and am very fustrated. The most fustrating part is that I did not include my SSN, Drivers License, or Petition # but when the court responded they included a complete printout of my BK. Is this even legal? I am pretty shocked that they just verified this just by my name and different address from when I filed.

[jjgross]

Originally Posted by deletedelete

I have had similar results twice now and am very fustrated. The most fustrating part is that I did not include my SSN, Drivers License, or Petition # but when the court responded they included a complete printout of my BK. Is this even legal? I am pretty shocked that they just verified this just by my name and different address from when I filed.

It's a public record open for the public to view!

[johnson]

Originally Posted by deletedelete

I have had similar results twice now and am very fustrated. The most fustrating part is that I did not include my SSN, Drivers License, or Petition # but when the court responded they included a complete printout of my BK. Is this even legal? I am pretty shocked that they just verified this just by my name and different address from when I filed.

Update: I did finally get court confirmation in writing that they DO NOT verify, but it took some maneuvering. Regardless, the CRAs refused to remove the BK even with the confirmation I sent. Multiple disputes (dozen or more) for several months yielded nothing but verfied returns and eventually a frivolous declaration. So, this method, while once successful, no longer works from my experience. Seems they've caught on and just blow off the court letter...since they know few, if any, consumers will pursue litigation. The BK continues to report erronously.