Capepuffin Posted August 18, 2003 Report Share Posted August 18, 2003 I know that I have talked about this in the past. Could you Please clarify this for me. I could really use some help with this.On my CR some accounts say: Status: Included in bankruptcy/Past due 90 days.orStatus: Included in bankruptcy/Account charged off.If it is just 'included in BK', please confirm what this means. Does the notation reflect an 'unrated' account. And does it have any bearing on my credit score? Besides the fact that someone who pulls my CR would see it.Now, it says past 90 days or Account charged off. Do these notations put it back into the credit scoring? Obviously negatively.What is the best course of action for these TL's? I have yet to admitt to the BK in my disputes.Should I break down and admit to the BK and tell them to remove the 90 days late and the account charged off? And just report it as 'included in BK?'OR can I just send a dispute to the CRA's not admitting to the BK, but telling them that ' even if the BK was mine, they should not be reporting the account status TL's other than included in BK?' Link to comment Share on other sites More sharing options...
crofttk Posted August 18, 2003 Report Share Posted August 18, 2003 ...Status: Included in bankruptcy/Past due 90 days...Depends on if the past due 90 days is true or not. None of ours were late when we filed. The dilemma however is how to dispute it away without revealing BK docs. Have you tried "not mine". Irecently got HALF of our IIB accounts off off EQ simply by "not mine" even though I committed the mortal sin of sending BK docs to all three CRAs back in 2/03 !...Status: Included in bankruptcy/Account charged off....This is one where, theoretically, you could use the argument that showing C.O. is a violation of the permanent statutory injunction against collection activity/process granted with discharge per Sect. 524 of the BK Code. But, again, you're potentially talking verifying BK for the OC/CRAs....If it is just 'included in BK', please confirm what this means. Does the notation reflect an 'unrated' account. And does it have any bearing on my credit score? Besides the fact that someone who pulls my CR would see it...It varies by CRA. I know firsthand that "unrated or bankruptcy" will pull it out of the FICO algorithm on TU....What is the best course of action for these TL's? I have yet to admitt to the BK in my disputes....As I said above, I did get half removed at EQ with "not mine". I have now started on TU and EX TL's which are "loners" (not shown on other CRAs)....Should I break down and admit to the BK and tell them to remove the 90 days late and the account charged off? And just report it as 'included in BK?'....Just about everyone will give you the conventional and adamant NO here. However, this is an individual decision which you have to make after getting thoroughly educated and considering your specific credit needs and the timing required. I did the "NO-NO" but, now that we got our hosue refinanced and got a car at 4.5%, I'm ready to start scrapping and have had success already (DESPITE the possibilities admin, KB, and others have mentioned about whether or not CRAs will have kept my BK docs. on file !)...OR can I just send a dispute to the CRA's not admitting to the BK, but telling them that ' even if the BK was mine, they should not be reporting the account status TL's other than included in BK?'Well, their response, I'm fairly certain, would be to ask you for your BK docs and I would look for other words than to say ANYTHING about BK in writing. Otherwise, you might as well send the docs. I think there are other techniques that can be used before you get to that point.This is where I am on this stuff and am all "eyes" to see what suggestions people have for you (us).Also, don't forget admin's suggestion about disputing with DOLAN to posssibly remove BK PR ! I'm chewing on the possibility of doing that myself. Link to comment Share on other sites More sharing options...
Capepuffin Posted August 19, 2003 Author Report Share Posted August 19, 2003 In my state, I gained access to all BK records, for everyone! It is called pacer system and I e-mailed them and they sent me a password to view all documents. Well I found mine. And it is exactly correct! Nothing really to dispute. I already disputed as ' not mine.' Logging on to their system was scarry! I just wanted to delete my BK from their site! Link to comment Share on other sites More sharing options...
crofttk Posted August 19, 2003 Report Share Posted August 19, 2003 Yeah, I did the same and found mine. That's mostly why I give trying the dispute with Dolan a lower priority right now. Link to comment Share on other sites More sharing options...
Capepuffin Posted August 19, 2003 Author Report Share Posted August 19, 2003 Thanks for replying croft! You know you are the only one that has replied to my BK posts! Where is everyone else with BK knowledge? Must be busy or something! Link to comment Share on other sites More sharing options...
crofttk Posted August 19, 2003 Report Share Posted August 19, 2003 ...You know you are the only one that has replied to my BK posts! Where is everyone else with BK knowledge? Must be busy or something! Yeah ! We need some diverse input here. Bump it once in awhile, maybe it's a reclusive or nocturnal animal ! Link to comment Share on other sites More sharing options...
humdinger Posted August 20, 2003 Report Share Posted August 20, 2003 CapeDo you want to form a Croftkk fan club? He's pretty good isn't he? Link to comment Share on other sites More sharing options...
crofttk Posted August 20, 2003 Report Share Posted August 20, 2003 Aaaw, come on, look at my sig. line. I still have more questions than I have answers ! I have NEVER slept in a Holiday Inn Express but, years ago, I DID read a book entitled "The Wisdom of Insecurity". Link to comment Share on other sites More sharing options...
Capepuffin Posted August 21, 2003 Author Report Share Posted August 21, 2003 CapeDo you want to form a Croftkk fan club? He's pretty good isn't he?Yes I do! Whenever I ask a BK question, I turn around and croft has all ready answered it for me! Link to comment Share on other sites More sharing options...
Capepuffin Posted August 22, 2003 Author Report Share Posted August 22, 2003 Bumpity Boo! Link to comment Share on other sites More sharing options...
Fn_Rog Posted August 24, 2003 Report Share Posted August 24, 2003 In my state, I gained access to all BK records, for everyone! It is called pacer system and I e-mailed them and they sent me a password to view all documents. Well I found mine. And it is exactly correct! Nothing really to dispute. I also logged into PACER, did it show you any amounts? Mine did not, and I'm sure I'll try to dispute those when the time comes. Also, I'm considering writing to PACER with concerns over the SSN #'s being in plain view for anyone with access, and ask for its removal. C'mon guys, you can't give up so quickly!!! I also have some hope, as the Federal court where I filed has moved to a brand new building, from the addresses the CRA's show. Link to comment Share on other sites More sharing options...
VaSwtness Posted August 24, 2003 Report Share Posted August 24, 2003 HELP! I tried to get in but couldn't. Do I have to register, or is there a back door in?Thanks Link to comment Share on other sites More sharing options...
Capepuffin Posted August 24, 2003 Author Report Share Posted August 24, 2003 You have to register. They mailed me my username and password. Link to comment Share on other sites More sharing options...
LowScore Posted September 3, 2003 Report Share Posted September 3, 2003 I did this same thing and pulled my report by doing a search with my SS# and my file did not come up. I then did a search with my last name and found it my report. The crazy thing is my legal name is under the alias not as the main name on the header of my documents, the name they are reporting is my initials for my 1st name and completely misspelled last name. I think because of this my CH13 has not shown up in my public record section but my trade lines show a ch13. I guess I got lucky in a way hopefully it will come off easier when I get around to disputing this info. Link to comment Share on other sites More sharing options...
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