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How can you get a current credit report if your bankruptcy was discharged a year ago and a certificate of discharge was sent to Equifax for them to update your records but you can't get a current one?
Wiki User
∙ 18y ago
You can contact Equifax and tell them you wish to see a copy of your credit report..If you disagree with anything on the report, you can challenge the information..Under the consumer bill of rights, they have a specific time to verify the correctness of the information they have..If they can not confirm their information, they must drop it from the report.
Wiki User
∙ 18y ago
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How can you get a bankruptcy removed from equifax when it has been removed from the other credit bureaus?
If you have checked your report from Equifax and a discharged bankruptcy is on there, you can simply write to them with the amendments and they are obliged to correct their report.
How long does a dismissed chapter 13 bankruptcy stay on your credit file?
A Chapter 13, whether it is dismissed or successfully receives discharge, is on your credit report for 7 years. A chapter 7 is on your credit report for 10 years. i called equifax and a discharged chapter 13 stays on for 7 years and a dismissed chapter 13 stays on for 10 years
Is a dismissed or discharged bankruptcy better on a credit report?
In theory a dismissed BK should be removed from a CR in seven years. A discharged BK, in ten years. Equifax, however will usually inform the consumer that they will carry both for the full ten. The reality is neither is better, they are both very damaging to a person's credit history.
What steps can be taken to get a bankruptcy judgment removed from a credit report after ten years?
Write a letter to the CRA's with the pertinent info. regarding the BK. Court, docket#,discharged date,etc. Experian-National Consumer Assistance Center, PO Box 949, Allen,TX. 75013 Transunion LLC.-Consumer Disclosure Center, PO Box 1000, Chester.PA. 19022 Equifax-Equifax Credit Info. Service,Inc.,PO Box 740241, Atlanta, GA. 30374.
How do I get Equifax to remove 7 year old dismissed Chapter 13 Bankruptcy?
You can write them or call and request that your bankruptcy be removed. They do not have to remove it, however. It is generally the amount of time that it falls off your credit or is not considered when being looked at for credit.
How can you get a bankruptcy removed from equifax when it has been removed from the other credit bureaus?
If you have checked your report from Equifax and a discharged bankruptcy is on there, you can simply write to them with the amendments and they are obliged to correct their report.
How do you validate equifax security certificate authority?
how do you validate equifax certificate authority?
How long does a dismissed chapter 13 bankruptcy stay on your credit file?
A Chapter 13, whether it is dismissed or successfully receives discharge, is on your credit report for 7 years. A chapter 7 is on your credit report for 10 years. i called equifax and a discharged chapter 13 stays on for 7 years and a dismissed chapter 13 stays on for 10 years
Are creditors required to remove debts from credit reports if filed under bankruptcy 7?
Assuming that you properly listed the debt in your bankruptcy, the creditor should report the balance owed as zero and it should also correct your credit report to show that the debt was discharged in bankruptcy. You should send a certified, return receipt letter (keep a copy) to the credit card company and enclose a copy of your discharge. Demand that they correct this entry on your credit report. If they fail to do so, contact a local bankruptcy attorney for further assistance. Failing to correct a credit report can be a violation of the discharge order and the bankruptcy court could order the creditor to pay you damages if they fail to correct the error. You should also write a dispute to the three credit reporters: Experian, TransUnion and Equifax, and have them insert it in your report, i.e. "This debt was discharged in bankruptcy on _____ (date)."
How long does Equifax keep a bankruptcy on file?
Generally ten years from the time of the last (closing) activity of the said bankruptcy.
If a bankruptcy was discharged in 1993 does it automatically come off of your credit report and how long after What if it's still on your report?
Bankruptcy can stay on your credit report for up to 10 years. If you obtain the credit report directly from the credit reporting agency (ie. Equifax, Transunion, Experion) the report will provide you with directions on how to dispute the information.
Is a dismissed or discharged bankruptcy better on a credit report?
In theory a dismissed BK should be removed from a CR in seven years. A discharged BK, in ten years. Equifax, however will usually inform the consumer that they will carry both for the full ten. The reality is neither is better, they are both very damaging to a person's credit history.
What should you do if you filed Chapter 13 and a judgment that was included is not showing up as released on your credit statement?
If a judgment is not listed as "discharged in bankruptcy" on one's credit report after bankruptcy, one can make a written request to the three national credit reporting agencies to reinvestigate your report and list it as discharged (they normally need proof of the bankruptcy filing, such as a copy of the Notice of Bankruptcy or at least the Discharge). (See Fair Credit Reporting Act Section 611(a)(1)(A)). One can contact them at: Trans Union Corporation ATTN: Public Records Department 555 West Adams Street Chicago, IL 60661 Experian Profile Management P.O. Box 9558 Allen, TX 75013 Equifax P.O. Box 144717 Orlando, FL 32814 Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person. Visit RossLawOffice.com for more information about bankruptcy.
What steps can be taken to get a bankruptcy judgment removed from a credit report after ten years?
Write a letter to the CRA's with the pertinent info. regarding the BK. Court, docket#,discharged date,etc. Experian-National Consumer Assistance Center, PO Box 949, Allen,TX. 75013 Transunion LLC.-Consumer Disclosure Center, PO Box 1000, Chester.PA. 19022 Equifax-Equifax Credit Info. Service,Inc.,PO Box 740241, Atlanta, GA. 30374.
How do I get Equifax to remove 7 year old dismissed Chapter 13 Bankruptcy?
You can write them or call and request that your bankruptcy be removed. They do not have to remove it, however. It is generally the amount of time that it falls off your credit or is not considered when being looked at for credit.
What will your credit score be after bankruptcy is discharged?
It depends on what your credit score was before your filed bankruptcy. If your credit score was low before your filed bankruptcy, then after your bankruptcy is discharged, if you send a copy of your Schedules and Discharges records to all three credit bureaus; Trans Union, Experian and Equifax and ask them to zero out all the past due balances now that you do not owe them anymore then your credit score will more than likely be higher than before you filed. Also, your bankruptcy filing is picked up under the Public Records section of your credit report, however, after 12 months the scoring models do not pick up the bankruptcy anymore so it does not effect your score. It is visible on your report for 10 years after a chapter 7 and 7 years after a chapter 13, but not in your score. It is a good idea to open up an account after your bankruptcy discharges so your scores will continue to go up. If you open a credit card, just make sure you do not go over 30% of the limit, and pay it off every month. You can go to http://www.bankruptcy-records.us/Credit_Restoration.html for step by step instructions on how to handle your credit after a bankruptcy.
Is econsumer equifax a division of equifax?
Yes, econsumer equifax is a division of equifax. Econsumer equifax is just another way for you to see your credit report. This division started in 2008.
