7 years or 10 years on a bankruptcy

I live in Texas. In 1999 I filed chapter 7, at that time I was told that it would be on my credit for seven (7) years. In 2005?? the law changed to allow ten (10) years. I need to find the OLD law were it states SEVEN years. I keep finding the NEW law. Where can I find this on-line or elsewhere? The credit bureau's insist that they will not remove the bankruptcy until 2010.
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bk are diff most states use 10 years for bk's

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

Chapter 13 shows account over 60 days late after bankruptcy

We filed a chapter 13 (it was completed and discharged in Jan. 2007) We pulled a credit report on ourselves and relized that during the full length of our chapter 13 BOK reported our payments as 120-180 days delinquent. According to my bk attorney that is not leagal and they have to report payments as made post petition. Can you help me find the law that requires this? BOK say it is their policy to report it that way because we were "contracturally" late due to the BK. I want to dispute it but I want to be able to quote the law that they are violating
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go to yahoo groups
credit repair

there are a bunch of lawyers that trawl that group
one might have a law they can recite

I do not know law

i do know that is not right and probably illegal
they should say included in bk and no further credit activity

or call your state attorney general and / or file a compliant with your state attorney general online
that should nip it
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Should I file bankruptcy or use credit counseling

Hi my name is Tanecka I would like to know If going through a Credit Counseling Service looks bad on credit I was told that If I did that and tried to get a Loan etc... that I would be denied I am trying to buy a House with in 2 years, I was told that I should file bankruptcy but I just don't think that I should. Please can you give me advice on this.
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on filing a bk
consult a friend
a cpa or budget counselor at your local bank
someone you know who filed a bk but has ome out of it


credit counseling will show up for 7 years after you make you last payment
what if it takes you 2 years to pay it off
then for 9 years it will show couseling

both a bk and counseling look bad on ones report.
bk's are usually considerd less a of potantial risk as one cannot file but once every 7 years
so re establish credit quickly or try to leave a couple active reported to a bureau accounts open if possible
same with counseling. Leavs on or two ouf of counseling and pay them religously

Chapter 7 from 2000 - 2001. How to remove

I'm a mortgage loan officer in Las Vegas, Nevada and help clients repair their credit all the time. You had some great tips that I didn't even realize were possible. My personal dilemma is as follows. I filed for Chapter 7 bankruptcy protection in December 2000 and it was discharged in April 2001. I've worked over the years to get all of my previous bad credit completely removed from my credit report. For over a year now, there are no items appearing on my credit that are from the time I had the bankruptcy. EVERYTHING on my credit reflects perfect payment history and you would never know I ever filed with the exception of the Public Records section of the reports. Do you have any advice for trying to remove this early? I would qualify for A+ paper financing if not for that public record.
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not really
sounds like you are up to speed
public records are court documents and if you disputed them
thats probably all one can do

Filed 13 and case dismissed. can i have the 13 removed

1. The end of 2002 beginning of 2003, I self-filed a Chapter 13 in an attempt to save our home. The bank foreclosed; we lost our home and I withdrew the Chapter 13. The Bankruptcy shows as Dismissed. Is there anything I can do to have this completely removed?
2. We lost our home through fore closure, but there is still a debt classified as "Mortgage" for $72,000... this was a Second Mortgage. Why is this still on our file as a debt owed? Our home was taken but they still want the Second paid?
3. The Date of Last Activity continues to be updated on this Second Mortgage. Which tells me no matter what I do, this will never be removed.
4. It seems whenever I do an inquiry to Equifax to correct errors, I start getting calls again on old debt... does the inquiry to Equifax cause the Date of Last Activity to be updated?
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copy the dismissal papers and mail them as a dispute use this form

yes they still want the money. I would assume though some would be paid during the foreclosure and subseqent sale?
i would have to see a paper tail to help with this. but sure and loan has to be paid off period.

#3 not sure what to coment on this one.

#4 does not make sense. there is no correlation. inquiries only happen when you apply for a loan
not when you check your credit online
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thanks

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.

Bank foreclosure and bankruptcy dismissed and credit is messed up

1. The end of 2002 beginning of 2003, I self-filed a Chapter 13 in anattempt to save our home. The bank foreclosed; we lost our home and I withdrew the Chapter 13. The Bankruptcy shows as Dismissed. Is there anything I can do to have this completely removed?
2. We lost our home through foreclosure, but there is still a debt classified as "Mortgage" for $72,000... this was a Second Mortgage. Why is this still on our file as a debt owed? Our home was taken but they still want the Second paid?
3. The Date of Last Activity continues to be updated on this Second Mortgage. Which tells me no matter what I do, this will never be removed.
4. It seems whenever I do an inquiry to Equifax to correct errors, I start getting calls again on old debt... does the inquiry to Equifax cause the Date of Last Activity to be updated?
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copy the dismissal papers and mail them as a dispute use this form

yes they still want the money.
i would assume some would have been paid during the foreclosure and subseqent sale?
i would have to see a paper tail to help with this. but sure any loan has to be paid off period.

#3 not sure what to coment on this one.

#4 does not make sense. there is no correlation. inquiries only happen when you apply for a loan
not when you check your credit online

Never filed bankruptcy but it shows on my report at tranunion only. They will not remove it.

I have a bankruptcy on my credit report; however, it only shows on Transunion, as I have never filed a BK. I disputed it with Experian and Equifax, both have deleted them; however, for whatever reason Transunion states that the information has been verified and will not delete it. What can I do? I am trying to purchase a house, and this is definitely creating a kink in the process
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if you didnt file it
bk should come off

i do not know

where do they verify from
what court
use that number and call and get this straight
report them to your state attorney general or to the FTC.

Chapter 13 dicharged but I can not get approved for a credit card

I am sure that I am not the first and surely not the last to email you about my sorrows from bad credit. Let me ask you this. I have tried and tried to get credit to make good credit but no one seems to be willing to take that chance. My husband and I filed Chapter 13 three and a half years ago and since has been discharged. We did it the correct way made payments on time and waited patiently. Now we are trying to get credit but our reports are not showing many in good standing accounts. What do we do? I have ordered our reports and disputed what I was allowed and our score has gone up a little but how can I get the others to get off there and show paid or settled or heck even in good standings? Thanks for you time.
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start with some gas cards. Go to a Bp oil station, exxon, shell

send certified check with your application
shoot for 300 dollars to start. after one year you should have increased your 300 to at least 420 or 10 dollars more than you spend each month. The 400 become your new high credit limit by default same as the 300. With 1 year of good payments you are on your way.

go to your local bank and borrow 500 for christmas. make sure they report to bureaus. Pay the money back each month with the money you borrowed. Make the loan last at least 12 months. Go in each time you make a payment and get to know the bankers a little each month for one year.

Chapter 13 discharged but still some accounts list balances. I need a home loan

I am trying to get negative information off of the credit report.

The first thing is from Chicago Municiple Court Bank 1. My husband and I do not know what this is and we can not find a phone number to contact them. All that is listed is a reference number but it is showing up on our Experion report as owing $524.00.

The second thing is we filed chapter 13 in 2003 during this time we owned a time share (Emerald Pointe at Grand Vista) we surrendered it as terms of the chapter 13. It is showing up today as we owe over 6,000 on the report from Experion. I have called several places since Emerald Point has changed ownership several times. Each company I have called states it is not their problem they closed account due to non payment. I am currently waiting on the last contact person to call me back which has been since 11/5/07. We moved in 2005 to another state and some valuable papers were damaged beyond repair so I do not have any documentation that we surrendered the deed except for my word. I do know that it was in the chapter 13 so how can we address this issue to get it removed from the report?

We are trying to get the best possible rate to qualify for a home purchase.

I have read many of your tips and find them to be very helpful. We keep open one credit card make purchase and pay it off. We have a car loan through a credit union and the score is in the high 600's what can we do to raise it quickly even with the chapter 13 still showing up? We paid the chapter 13 off in 2005.

I have other documentation from medical companies / second mortgage that we have paid off the bill but it still shows on the credit report do we mail a copy of the paid reciept to the credit reporting agencies?
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www.oskie.com/credit-dispute.htm
dispute the first one as not yours.
wait for 30 days and see what happens. go from there

dispute the second one as not yours or error on report
see what happens

do exactly what you said on the last one.
these should show on your report as included in bk zero balance.

might need to do all this in 2 or 3 letters.

do the first to at once on one dispute form to all bureau affected

do the last in waves of no more than 4 at a time. I don;t know how many you have.
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http://www.oskie.com/after-bankruptcy-credit-report-repair-credit-card.htm