Can discharged acccounts be 'removed' from your credit reports after filing bankruptcy? If so, how. If not,??
138417
All your accounts stay on for a min of 7 years and some stay for 10 years.  Including the fact that you claimed bankrupcy.  \n\ngood luck to you.  Try to say out of debt this time around.
210430
Please check the links I have listed below. They will help you sooooooo much on your journey to reestablish credit. There is a listing for bankruptcy friendly creditors as well as a fantastic group of ppl that have been in your shoes to help you with each step of the way.\nFirst I recommend you get copies of your credit reports and check them over for accuracy. You want to have a good idea of what's on your reports since bankruptcy so you know where to go from here. Good Luck!
404055
Credit reports are reported for 7 years, beginning on the day of default.  They can not be restarted, but many collection agencies will try.  They simply change the date on the report.  Many consumers don't even realize it.  \n\nGotta keep your records.
349172
You are finding out what I've been trying to warn people about for weeks now.  \n\nNever, ever, pay off an bill that is in collections unless you get IN WRITING that they will remove the negative entry from your record before you pay them a DIME!\n\nNow that they have your money, you no longer have any leverage over them.  Good luck getting them to fix your report.  Remember this....credit reporting agencies only report what the creditor tells them.  They can NOT remove it or change it.  \n\nWhat you will need to do is this.\n\n1) Send a letter to the CRA protesting the report, and tell them exactly what is wrong with it.  If it's paid off try to supply any evidence of it.\n\nThe CRA will contact the creditor to "verify" that the report is legitimate.  Remember they are not investigating anything, they are just verifing with the creditor that the information they have is correct.  \n\nIf the creditor does not change the record, and you have documented evidence that it is wrong, then move on to part 2.\n\n2) Send a "demand for validation" letter to the creditor.  They must supply you with copies of all contracts, bills, receipts, and everything used to calculate what they claim you owe. If they do not produce it, send a copy of this letter with another protest to the CRA to remove the listing.  If they don't do it, you have grounds to sue both the CRA and the creditor.\n\nIf the creditor can not supply proper evidence to prove the listing is accurate, and still will not remove it, you can sue the creditor for violations of the FCRA, and defamation of character.  \n\nRead the links below, contact me if you need more help.
626432
yes you can, equifax is the easiest...just tell then you didnt authorized them and they will delete them day 1. transUnion will give you a hard time saying they dont dispute inquiries you will have to write to the creditors yourself. Experian on the other hand is a 50/50 chance. They deleted 2 out of my 5 so far day 1. Myself I try to apply for credit online so I dont have to sign anything for proof that I applied to a card, and when they dont approve me I dispute it...
669249
There are ways to get rid of some listings, but not all.  \n\n\n-Get copies of your credit report at\nwww.annualcreditreport.com\n\n-Examine your report very carefully for errors.  Incorrect balances, wrong reporting dates, anything that you can use as a basis to protest the entry.\n\n-Send a protest letter to the Credit Reporting Agency (CRA) that has the report listed. They will "verify" the debt with the creditor, and must respond back within 30 days of the result. Note that "verify" only means that the creditor just has to inform the CRA it is a valid debt, and no proof or documentation is required. This is what most likely will happen. At this point you can send the CRA a letter protesting the entry, and they must put your statement on the record.\n\n-Now send a "validation demand" letter to the creditor. That means the creditor must supply copies of all bills, contracts, receipts, and anything that was used to calculate what they say you owe. The must demonstrate you have a legal obligation to pay. They have 30 days to respond.\n\nIf they do send this information, examine it carefully. If it's correct, decide if you still want to go to court. This is the information they will use to defend themselves, so if you have a case you can now take it to court.\n\n-If you do not get this information within 30 days, send a copy of the validation letter, plus another demand to remove the credit entry to the CRA, informing them that the creditor has violated the Fair Credit Reporting Act. If the CRA still will not remove the entry, you now have grounds to sue the CRA as well.\n\nBe sure to send all letters by certified mail, keep very accurate logs of when they are mailed and who you talked to. It is NOT necessary to send them by certified mail, return receipt. Your receipt will prove you mailed it, and the tracking number on it can be traced to show it was delivered. That will save you a few dollars in postage.\n\nContact me if you need more help. I am not a lawyer or credit counsoler, just someone who has been through this many times before (and still doing it!).\n\nYou are about to go to war! Knowledge of the law is your only weapon! Don't fight these guys unarmed! Read the links below.
748305
I hope that in your divorce this issue was addressed.\n\nIf there are still amounts owing on the joint debts, they will stay on your report until they are paid off.  And as long as your name is on the debt, you credit will reflect the payments & history.\n\nThere is no way to remove the joint debt reporting, this will be a part of your credit history for at least 7 years.   If the debts have been paid off and the accounts closed, then you can submit a paper explaining why accounts were late (if they were) etc. \n\nGood luck & congrats on your new life.
382691
Yes. It takes 7 years for an account to fall off of your credit report, and it is 7 years from the last date of activity. So if you opened the account 5 years ago, but you paid on it last month, it won't fall off until 7 years after last month. Your best bet is to just keep paying as agreed. \n\nFiling bankruptcy won't help, either. They just changed the laws so it really wouldn't do you any good.
678913
It is impossible to suggest a best course of action without knowing the specifics of your situation, and I would not suggest disclosing specific personal financial information in such a public forum. However, you do have more options:\n\n1. Consumer Credit Counseling (debt management plan)\n\nThis option should not impact your credit score, but most credit card companies add a flag or note on your credit file to inform anyone looking at your file about your enrollment in a debt management plan (provided by a CCC agency). This may prevent your from getting a loan (but, you shouldn't be looking for a loan if you already drowning in debt, anyway). Only use government-approved CCC agencies (see link below).\n\n2. Debt Consolidation (mortgage refinancing)\n\nThis should only be used by someone who can restrain themselves once all that debt is moved off of their credit cards. Often, newly available credit card balances are so tempting that people who move their unsecured credit card debt to a secured mortgage will run up new credit card debt (and lose their home when it gets too much to handle).\n\n3. Debt Settlement (debt negotiation)\n\nDebt settlement is when you (or a professional debt negotiator) negotiates a reduced-balance settlement to satisfy a debt. This should only be used by people who cannot afford a debt management plan (CCC) and who also want to avoid bankruptcy and who are willing to repay their debts according to their financial ability. The process of saving up and negotiating debt settlements is typically damaging to your credit score, so keep this in mind if you consider this option.\n\n4. Bankruptcy (Ch. 7 or Ch. 13)\n\nWhile the creditor-supported bankruptcy law that was passed last year is designed to make it more difficult to cancel your debts through Chapter 7 bankruptcy, bankruptcy is still an option. You need to understand the difference between Chapter 7 (essentially, total erasure of debts) and Chapter 13 (a court-structured repayment plan).\n\n5. Self-Managed Plan\n\nYou may be able to pay off your debts if you are able to cut back on spending, use a tighter budget and stick to an accelerated repayment plan. This process involves paying the minimum monthly payments on all accounts except your highest interest account. On that account, pay more (as much as you can). Once that is paid off, apply the amount you were paying towards that account on top of what you are paying to the next account (ranked by APR). Repeat this process until all debts are paid off. While you do this, continously negotiate with your credit card company to lower your APR (be sure to threaten a balance transfer to another account and be ready to transfer if they refuse to give you a break). \n\nAgain, it is not an issue of which is better. It is an issue of which is better for you considering your specific situation, concerns and goals.
1047438
What you need to do is dispute these reports with the credit bureau.  What they are doing is illegal and if these reports are not removed, you can sue them in small claims court for $1000 for each entry!  <cha-ching$$$>\n\nBut you need to do it right!  So follow these instructions.\n\nSend a dispute letter to the credit bureau listing these entries and point out these are duplicate entries. \n\nThe Bureau will then contact each of the creditors and "verify" that the debts are valid.  If they get no response the report is deleted.  If they respond back and verify the debt, the report stays on your history.\n\nAt the same time, send a "demand to validate" letter to the creditors who are listing these entries.  Demand that they send you copies of contracts, bills, receipts, and anything that was used to calculate what they claim you owe them.  They have 30 days to respond.\n\nIf they do not send this, send another letter to the credit bureau and demand the listing be removed due to "lack of validation".  \n\nMake sure you send all of these letter by certified mail to prove you contacted them.  \n\nIf the listings are still there, file a lawsuit in small claims court.  It's easy and doesn't cost that much.  \n\nI had to do the same thing to get an inaccurate listing removed from my record, and won $1200 for my troubles.  Don't let them push you around!
352273
Yahoo just had something on the homepage about devious "junk buyers" buying old debt for pennies on the dollar and then trying to make you pay even after the statute of limitations had passed-I know there is limits but as to what they are I can not 100% tell you.  \n\nAnd actually it is never 'removed' from your credit report, but companies only 'pull' a 7-10 year history, so it does not show, the debt is always listed on the report, so it never really disappears, just hanging out in old debt land, and if you go for a Senate Hearing or something they will pull it up.\n\nThe report said something about the basement buyers buying the debt and then reporting it as a 'new' debt to get it back active on your Credit Report, which is against the law.  The report also said they target those that paid some debt, because they were more worried about the ramifications of the credit report.  I will research and see if I can find the article-it was an informative read.
779725
Chapter 7 = 10 Years after discharge or dismiss\nChapter 13 = 7 Years after discharge or dismiss\n\nWanna get rid of it? \n\nThis worked for me: http://www.expert-credit-advice.com/credit_repair_service.htm\n\n\nIt was the 1st item to come off my TransUnion report. \n\nMine was 3 years dismissed, and from what I understand if its a recent bankruptcy, it harder to be removed and you will have to wait until at least 18 months after dismiss or discharge, and even then it may take some effort....
567037
I wish you folks would actually know the answer and quit guessing!\n\nNow class, lets all open our books to the Fair Credit Reporting Act.\n\nIt says :\n\n==============\n§ 605. Requirements relating to information contained in consumer reports [15 U.S.C. § 1681c]\n\n(a) Information excluded from consumer reports. Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:\n\n    (1) Cases under title 11 [United States Code] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.\n=============\n\nTherefore, it can only be posted for 10 years, and must be removed.  It has nothing to do with the "statute of limitations".\n\nNow, what you need to find out is if you were rejected due to information supplied by the credit reporting agency, or did they find this out by going through bankruptcy court records.  Those records are considered "public records" and do not go away or get erased. \n\nIf it was from the CRA, you should contact the agencies and inform them that they are improperly posting adverse inforamtion about you, in violation of the Fair Credit Reporting Act.  By doing this, you can hold them liable for any damages, such as the loss of a loan, or higher interest rates you are forced to pay when you do find one.\n\nIf you send them a letter, you should see this come off within 30 days.  If not, sue them!  Contact me if you need help.\n\nI am not a lawyer or credit counsoler, just someone who knows the law and helps to counsel people in dealing with creditors/agencies.
705795
CREDIT INQUIRIES TO THE FILE: An Inquiry made by a Creditor will automatically purge three (3) years from the date of the inquiry. The system will keep a minimum of five (5) inquiries. \n\nCREDIT HISTORY AND BANKING INFORMATION: A credit transaction will automatically purge from the system six (6) years from the date of last activity. \nAll banking information (checking or saving account) will automatically purge from the system six (6) years from the date of registration. \n\nVOLUNTARY DEPOSIT - ORDERLY PAYMENT OF DEBTS, CREDIT COUNSELING: When voluntary deposit – OPD – credit counseling is paid, it will automatically purge from the system three (3) years from the date paid. \n\nREGISTERED CONSUMER PROPOSAL: When a registered consumer proposal is paid, it will automatically purge three (3) years from the date paid. \n\nBANKRUPTCY: A bankruptcy automatically purges six (6) years from the date of discharge in the case of a single bankruptcy. If the consumer declares several bankruptcies, the system will keep each bankruptcy for fourteen (14) years from the date of each discharge. All accounts included in a bankruptcy remain on file indicating “included in bankruptcy” and will purge six (6) years from the date of last activity. \n\nJUDGMENTS, SEIZURE OF MOVABLE/IMMOVABLE, GARNISHMENT OF WAGES: The above will automatically purge from the system six (6) years from the date filed. \n\nCOLLECTION ACCOUNTS: A collection account under public records will automatically purge from the system six (6) years from the date of last activity.
702046
I doubt if you will be able to file bankruptcy on line. You can file on your own, but will probably need to talk with an attorney. Bankruptcy laws changed about a year ago. You cannot automatically get a Chapter 7 discharge. There is a means test you must pass before you will be allowed to receive a discharge. You may be required to file Chapter 13 to repay all or part of your debts. That is the new law. There are Consumer Credit Counseling companies that help those with credit problems to work something out and repay their debts without having to file for bankruptcy. They can often work out a reduced settlement out with your creditors. If it has been 10 years and you are working, perhaps it would be best to try and work out a settlement on your debt. Frankly, after 10 years, I am not sure that they could legally collect from you anyway. If you file bankruptcy your credit will suffer for many years. A bankruptcy can stay on your credit for as long as 10 years, depending on the section of the bankruptcy law you use. You really need to talk to a lawyer or credit counseling service.
758008
If it's paid off that's a good thing & can only help your score based on satisfactory accounts, so why do you want it off?  \n\nEither way, all your credit accounts, bk or not, will always be on your credit report.  BK will show "discharge" and your student loan will show "paid".
689498
Any account included in a bankruptcy remains on your personal credit report for a maximum of 7 years from the date the bankruptcy was filed. The bankruptcy itself, listed in the public record information section of a credit report, remains for either 7 years from the filing date if it was a Chapter 13, or 10 years from the filing date if it was a Chapter 7, 11 or 12.