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HOW I GOT MY BANKRUPTCY DELETED

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On 9/22/2018 at 4:39 PM, shifter said:

They didn't do that, it's because you still have accounts that are continuing to report that address. It will continue to pop back up the next month every time. You have to get any creditors updating each month to update your address before you try to dispute it off. 

Actually all my accounts that are associated with my previous address are closed and iib I have moved since then

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6 hours ago, kaylord said:

Actually all my accounts that are associated with my previous address are closed and iib I have moved since then

Clearly not. You need to get your paper report and compare the address identifier number to each account and see which ones are still associated with the old address and then look at the last updated date and see which ones are still updating. 

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I had BK on EQ and TU, not on EX. I got the BK removed from both. Then suddenly a couple months ago the BK appeared on EX. Did the same process as before but they didn't remove the BK. Wondering should I try Lexington Law or just keep trying. What is the process after they say they verified it's reporting as it should?

 

Thanks in advance

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On 11/14/2018 at 12:31 PM, Fixnsell said:

I had BK on EQ and TU, not on EX. I got the BK removed from both. Then suddenly a couple months ago the BK appeared on EX. Did the same process as before but they didn't remove the BK. Wondering should I try Lexington Law or just keep trying. What is the process after they say they verified it's reporting as it should?

 

Thanks in advance

What method did you use to get the BK deleted off Eq they just deleted my previous address this morning

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On 12/18/2018 at 12:54 PM, kaylord said:

What method did you use to get the BK deleted off Eq they just deleted my previous address this morningEq

On 11/14/2018 at 12:31 PM, Fixnsell said:

I had BK on EQ and TU, not on EX. I got the BK removed from both. Then suddenly a couple months ago the BK appeared on EX. Did the same process as before but they didn't remove the BK. Wondering should I try Lexington Law or just keep trying. What is the process after they say they verified it's reporting as it should?

 

Thanks in advance

Eq finally deleted the BK. It's gone from TU as well . Still on Ex but I'm going to leave it alone for now bcuz they refuse to delete my previous address. Thanks op

Edited by kaylord

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hi guys, I have a BK, and trying to remove it from my CR but has anyone tried to delete it from LN? What if they come back stating that they checked Pacer?

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I searched, but wasn’t able to find an answer.

I have a BK7 that was discharged 4/11. That is the only negative item on my reports. 

I’d like to get it removed, but I sill live at the same address that I did when I filed the BK. Is there a variation of the method described here, or maybe another method, that would let me get the BK removed? Or am I stuck with it until 2021?

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On 7/27/2016 at 3:40 PM, detox said:

Thank you for CB. If you follow the steps and be patient it works. I got my BK removed from TU and EQ. but EX has just updated is as verified. IDK where I got this letter from. Ihad a BK from 2011 and 2012 both dismissed; I did follow all of WHYCHAT's steps........

 

Re: Dispute Request

 

To Whom It May Concern :

I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from "date of adjudication" or date of "order of relief".


Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681(a)(5) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, In advance I would appreciate your response within 14 calendar days from receipt of this letter.

Sincerely,

 

Any suggestions on how I can get this removed from EX?!!!!! they are driving me nuts.

S BKPT CT TX HOUSTO 08/2012 $0 Dismissed BankruptcyChapter13 US BKPT CT TX HOUSTO 03/2011 $0 Dismissed BankruptcyChapter13 HARRIS CO CLERK-HOUS 01/2010 $6,477 Released on
09/03/2014 TaxLienFederal

This is just wrong.  The filing of a voluntary bankruptcy petition constitutes an order for relief triggering the automatic stay.  A dismissed case still exists in the eyes of the law, it just terminated.

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1 hour ago, creditrepair2019 said:

This is just wrong.  The filing of a voluntary bankruptcy petition constitutes an order for relief triggering the automatic stay.  A dismissed case still exists in the eyes of the law, it just terminated.

Creditrepair2019:   Why the hell did you bump a 3-year-old post?

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1 hour ago, MarvBear said:

Creditrepair2019:   Why the hell did you bump a 3-year-old post?

creditrepair2019 joined 9 hours ago. They probably didn't know better 😇

 

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2 hours ago, MarvBear said:

Creditrepair2019:   Why the hell did you bump a 3-year-old post?

I was looking up a topic of interest, and I saw misinformation.  I thought it would keep others from making a mistake because no creditor or credit reporting agency is going to take someone seriously who doesn't understand the law.  I'm sorry if I stepped on any toes.  Is there a rules post so I can avoid creating unintentional conflict?

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