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fedtrouble

HOW I GOT MY BANKRUPTCY DELETED

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HeyGuys/Gals,

 

Because somany people have requested information on how to remove their bankruptcy Idecided to start a thread so it was easy and accessible.

 

 

 

MySituation:

 

I filedChapter 7 Bankruptcy in May of 2008, I was discharged September 2008. I am originally from North Carolina. I filed bankruptcy in the Eastern District ofVirginia. The address associated with myBankruptcy was a P.O. Box. I started mycredit repair journey by reading all the newbie threads on this site in July of2010, after I got a horrible interest rate on a car loan.

 

First: I opted out.

 

Second: I went through all of the bureaus and starteddisputing off my old addresses. I madesure the Bureaus all had my current address. At the same time, I wrote and notified all of my previous creditors andcurrent creditors that my address had changed to my new address.

 

Third: After the address associated with thebankruptcy was deleted, I simply disputed the public record as “someone withsimilar name.” Note the vast majority ofmy credit report was IIB’ed accounts. Equifaxsimply deleted the bankruptcy. TransUnion and Experian did not.

 

 

 

Pursuant toRule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filedwith the court are to contain only the last four digits of the individual’ssocial security number or tax identification number. I filed my bankruptcy Pro Se, and in doing soI filed my bankruptcy before I read the Rules so I had to file a motion to sealall documents which I filed with the court. Under the Federal Rules of Bankruptcy Procedure a debtors full social securitynumber is filed with the original petition, and filed under seal. Meaning the only information released tothird parties who are not involved directly with your case is: (1) Your FullName; (2) The Last Four Digits of Your Social Security Number and (3) YourAddress.

 

 

 

Fourth: I wrote the Clerk of Court for the UnitedStates Bankruptcy Court, Eastern District of Virginia. This is what I wrote:

 

 

 

 

“Dear Clerk,

 

My name is Robert Smith, and I amwriting you because an entry appears of my credit report which states that Ifiled bankruptcy in your district. Couldyou please explain to me how this might occur? From my understanding only the last four digits of an debtors socialsecurity number are released to third parties, pursuant to the Federal Rules ofBankruptcy Procedure. Any information you can provide me would be appreciated.

 

Sincerely,

 

 

Robert Smith”

 

 

The reply letterfrom the Clerk stated:

 

 

 

“Mr. Smith,

 

The United States Bankruptcy Courtfor the Eastern District of Virginia does not provide any information to anycredit bureaus, all information they obtain is via third party. You are correct that pursuant both to FederalStatute and the Federal Rules of Bankruptcy Procedure only the last four digitsof a Debtor’s social security number along with their full name and address canbe released. In order to obtain a debtor’sfull social security number, a third party must file a motion with the court tounseal documents related to a case. Thiswould be very unusual and does not happen on a regular basis. I hope this letter is helpful in your matter.

 

 

 

Sincerely,

 

 

Clerk of Court”

 

 

Fifth: With thisinformation in hand I decided I was going to write TransUnion and Experian’sexecutive office staff, because I no longer had the address associated with theBankruptcy on my report. So I typed upand email and sent it off. I wrote ChrisCallero at Experian and another Executive at TransUnion and this is what Isaid:

 

 

 

“Dear XXXX,

 

My name is Robert Smith and Iam writing you about an entry listed on my credit report which I have tried tohave removed. Apparently someone with asimilar name to mine filed bankruptcy in the Eastern District of Virginia, andit appeared on my credit report. Throughyour dispute system I recently filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it isstill listed on my credit report. Frustrated I decided to contacted theBankruptcy Court and they informed me that they do not provide anyone with adebtor’s full social security number, and they do not provide any credit bureauany information relating to any bankruptcy cases. As you well know it is a violation of theFair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.

 

 

 

Sincerely,

 

 

Robert Smith”

 

 

Well I receivedprompt replies from both Experian and TransUnion. I spoke with Anna at Experian and explainedthe situation, and asked her how this bankruptcy was verified. This questioned seemed to stump her, but shehad already informed me that the bankruptcy was deleted by her while we were onthe phone. TransUnion, I spoke with alady, whom I can’t recall and I gave her the same speech, and she told me thatshe again placed it under investigation with the note to delete it. It didn’t happen that night, I think it happenedseveral days later but it did get removed.

 

Sixth: I then went through and disputed all the IIB’edaccounts, explaining in my dispute letters that the there was no bankruptcy andit had been deleted and these accounts needed to be deleted too. Several weeks later I received my disputesback and all of the IIB’ed accounts were gone. I made sure before I disputed the IIB’ed accounts off that all the oldaddresses were removed. I will say thatduring the phone call with Experian the lady manually removed several addressesfor me.

 

I know eachand every situation is different, I hope this guide helps those who would liketo remove their bankruptcy. And yes, I saw quite a nice jump across the board on all of my reports once it was deleted along with all of the IIB'ed accounts. If you haveany questions feel free to PM. If I canhelp I will, any applicable federal statue or rule, doesn’t matter. Sorry for the delay in posting this also!

 

 

 

Good Luck!

 

Brandon

 

Second: I went through all of the bureaus and starteddisputing off my old addresses. I madesure the Bureaus all had my current address. At the same time, I wrote and notified all of my previous creditors andcurrent creditors that my address had changed to my new address. --- im kinda lost so you called all your past creditors that you had reported from day one plus the once you have discharged under bk 7 and said hey here is my new address just in case ... i mean when i called them said i know my account been closed but here is my new address if you need it there was a long pause from them then they said since the acc is closed we cant do anything to the acc.....

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Still waiting to hear back. I used daily puller from Equifax and the BK is not showing there. The dispute is till pending. I am hoping I will get the results in the next day or two.

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Ok. BK deleted on Equifax. I haven't seen a score increase, but, that's because my utilization is through the roof.

 

Not sure if I have a way of getting the old IIB accounts off or just wait.

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I wonder if i can do this for JUDGEMENT i paid off.

I had a judgment that WASN'T paid off deleted using this method! Give it a shot...what do you have to lose?

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Ok. BK deleted on Equifax. I haven't seen a score increase, but, that's because my utilization is through the roof.

 

Not sure if I have a way of getting the old IIB accounts off or just wait.

I waited a couple of weeks after my BK deletion showed and then disputed 3 IIB accounts that were still showing up -- DELETED!

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Ok. BK deleted on Equifax. I haven't seen a score increase, but, that's because my utilization is through the roof.

 

Not sure if I have a way of getting the old IIB accounts off or just wait.

I waited a couple of weeks after my BK deletion showed and then disputed 3 IIB accounts that were still showing up -- DELETED!

 

Did you do this online? What reasoning did you choose?

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Ok. BK deleted on Equifax. I haven't seen a score increase, but, that's because my utilization is through the roof.

 

Not sure if I have a way of getting the old IIB accounts off or just wait.

I waited a couple of weeks after my BK deletion showed and then disputed 3 IIB accounts that were still showing up -- DELETED!

 

Did you do this online? What reasoning did you choose?

 

I didn't follow CB's advice and I disputed online as "Not mine". My reasoning was if I don't have a BK, then how could I have debts that were included in a BK? *poof* deleted! But in hindsight, I should have done it in writing, rather than online because that is what is best!

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Ok. Then, I should do it in writing as "not mine" - to remove IIB's?

 

It could work, give it a try. Nothing about this is a science. Some people get lucky, some don't. Some experience negative side effects of losing old positive stuff by tinkering with the baddies. You have to weigh the risks and take a chance. Good luck!

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wow this is a really helpful post, did you physically change your address or was there something really wrong with the address on the first place.

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Just read this today. I just disputed with Experian and Equifax my old/previous addresses however I couldn't do that with Transunion. I was on the freeannualcreditreport website and for some reason I was timed out and can't go back in. So I could only dispute the other two. Is there another way I can dispute the old addresses with Transunion? I filed BK at the end of 2009 and want to get this off my credit report.

I think when I tried to dispute the address that I used to file my BK with it popped up saying it couldn't be disputed because they obtained this address from a public record...I think this was from Experian. Anyhow I will anxiously wait their responses and hopefully can get more help here on how to proceed next. Thanks!!

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Dang! It was a NO go with EX today trying to get old addresses deleted..Oh well, will try another rep. I did send a certified letter today as well.

 

She's saying the address is associated with an account that is included in my BK

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so I did online disputes yesterday (11/18) with EX, TU and EQ. I got an email today from TU and EX...TU deleted all my previous addresses and now only has my current address, yay (I hope!). EX would not delete 2 specific previous addresses as they said was confirmed/obtained through a current creditor or public record...so that wont help. EQ hasn't responded yet. With TU, I am assuming now that I can start informing all my previous creditors of my current address as all my current creditors have my current address. Once the previous creditors who were included in my BK have been notified of my current address, I can then proceed with trying to get the BK off TU?

 

How about EX since they are refusing to delete the 2 specific addresses associated with my BK? Am I S.O.L.?

 

I'm hoping EQ will be easy like TU and delete with no issues.

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Ok guys and gals here's my question. My llb's are all fallen off next year. Is it worth it to even try to dispute them once I get Bk off? Thanks

You can always try and dispute them as obsolete and see if they will take them off early.

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Ok addresses are gone from all bureaus. Wasn't as easy with EX ..man they run a tight ship. .mailed first batch of letters disputing BK yesterday. So now I wait. All my llb's are scheduled to fall off this year so 2014 looking really good to me. Prime cards here I come!

 

I wonder will this same technique work for a paid tax lien.

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