dwinston Posted August 5, 2004 Report Share Posted August 5, 2004 what is the best letter i can write to remove bankruptcy? I am a newbie to all this Link to comment Share on other sites More sharing options...
sdc2027 Posted August 5, 2004 Report Share Posted August 5, 2004 Write a dispute to the CRA first and see if they even can validate it. If they do write another letter to find out how- or call and then follow up that way.. those are hard to remove, best of luck Link to comment Share on other sites More sharing options...
socrates23 Posted September 1, 2004 Report Share Posted September 1, 2004 I put this on another thread around here somewhere but I have done this successfully already.Request the county courthouse where you filed for bankruptcy for your records that you would like to review the bankruptcy. They have seven days to get your file out of records and put it in a holding room foryour viewing. They will keep your file in the holding room for 30 days and will allow a one time extension of 15 days. So all in all you can have your file pulled for 45 days total. Send your letters off to the CRA's once you have been notified your file is pulled. Chances are they wont be able to validate it within the 30 days alloted to them because the file wont be there. On the off chance that you get some over achiever that tracks down your file in the holding room, just wait a month and run it up the flag pole again. Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted September 2, 2004 Report Share Posted September 2, 2004 I put this on another thread around here somewhere but I have done this successfully already.Request the county courthouse where you filed for bankruptcy for your records that you would like to review the bankruptcy. They have seven days to get your file out of records and put it in a holding room foryour viewing. They will keep your file in the holding room for 30 days and will allow a one time extension of 15 days. So all in all you can have your file pulled for 45 days total. Send your letters off to the CRA's once you have been notified your file is pulled. Chances are they wont be able to validate it within the 30 days alloted to them because the file wont be there. On the off chance that you get some over achiever that tracks down your file in the holding room, just wait a month and run it up the flag pole again. very very good advice! Link to comment Share on other sites More sharing options...
sdc2027 Posted October 29, 2004 Report Share Posted October 29, 2004 If you do this, let me know how it worked for you- to me one person is lucky and a second person being able to do that is a possible case studythanks -D Link to comment Share on other sites More sharing options...
southland2003 Posted October 30, 2004 Report Share Posted October 30, 2004 Won't they still be able to verify the bankruptcy on Pacer? Link to comment Share on other sites More sharing options...
CRDTNogood Posted October 30, 2004 Report Share Posted October 30, 2004 Won't they still be able to verify the bankruptcy on Pacer?Yes, but most of the bureaus don't use pacer, they verify with Lexis Nexis, so check your CR from Lexis-nexis, and yes they are a CRA...I've been thinking of how to pull your BK off a report for about two years now... Link to comment Share on other sites More sharing options...
bluealex915 Posted October 30, 2004 Report Share Posted October 30, 2004 This worked for me with EQ, I first sent off a not mine and they came back and verified it. I next sent off a dispute which I disputed the filing date. About 35 days later I got a letter in the mail from EQ and my BK was gone, just like that. I was told that disputing the filing date is a good one to use, it worked for me. If by chance they do verify your filing date then like the other member said, you will then need to go into a procedural request which gives the CRA 15 days to respond from the time they get your letter.Good luck.................................................. Link to comment Share on other sites More sharing options...
CRDTNogood Posted October 30, 2004 Report Share Posted October 30, 2004 This worked for me with EQ, I first sent off a not mine and they came back and verified it. I next sent off a dispute which I disputed the filing date. About 35 days later I got a letter in the mail from EQ and my BK was gone, just like that. I was told that disputing the filing date is a good one to use, it worked for me. If by chance they do verify your filing date then like the other member said, you will then need to go into a procedural request which gives the CRA 15 days to respond from the time they get your letter.Good luck..................................................But how would this look. You dispute the filing date, and it is correct. They verify and you request procedures, they don't comply, you file suit for the PR not being completed within time frame, and they bring up, error, but in fact here is his bankruptcy, here is the filing date, and here is his dispute that said it was wrong. Why did he lie then? Is he lying now? Just a thought. If I could find a way to get it removed, I will, but so far, covering my bases has been difficult.Unless, they can't bring up the fact that your BK was truly filed on that day. I'm not sure. anybody else? Link to comment Share on other sites More sharing options...
dloran Posted November 2, 2004 Report Share Posted November 2, 2004 I just disputed it to all three CRAs as not mine, because I live in another state now from where it was filled. EQ-removed, TU-removed, and EX-verified. Letting it sit for a couple of months then I will dispute it again through TU.D. Link to comment Share on other sites More sharing options...
bluealex915 Posted November 2, 2004 Report Share Posted November 2, 2004 Ive asked that question myself and here is what I was told. The fact of the matter is that the CRA did not comply with the FCRA and it's provisions. You are suing them for that and nothing more, at least in small claims. It clearly states what a CRA must do, period. I feel that you do have them on a violation in this case. If you have cuase to think that the filing date may or may not be correct but you are requesting the CRA to verify it, then they need to do just as the FCRA states or delete the trade line. I don't know but I am going to court with Experian in Dec for a very simaliar situation. I will let everyone know what happens with that one. Maybe other members have a better grasp of this then I do.Thanks............................. Link to comment Share on other sites More sharing options...
bluealex915 Posted November 2, 2004 Report Share Posted November 2, 2004 CRDTNogood,Ive asked that question myself and here is what I was told. The fact of the matter is that the CRA did not comply with the FCRA and it's provisions. You are suing them for that and nothing more, at least in small claims. It clearly states what a CRA must do, period. I feel that you do have them on a violation in this case. If you have cuase to think that the filing date may or may not be correct but you are requesting the CRA to verify it, then they need to do just as the FCRA states or delete the trade line. I don't know but I am going to court with Experian in Dec for a very simaliar situation. I will let everyone know what happens with that one. Maybe other members have a better grasp of this then I do.Thanks............................. Link to comment Share on other sites More sharing options...
sdc2027 Posted December 16, 2004 Report Share Posted December 16, 2004 Request the county courthouse where you filed for bankruptcy for your records that you would like to review the bankruptcy. They have seven days to get your file out of records and put it in a holding room foryour viewing. They will keep your file in the holding room for 30 days and will allow a one time extension of 15 days. So all in all you can have your file pulled for 45 days total. Send your letters off to the CRA's once you have been notified your file is pulled. Chances are they wont be able to validate it within the 30 days alloted to them because the file wont be there. On the off chance that you get some over achiever that tracks down your file in the holding room, just wait a month and run it up the flag pole again.I tried this here in Denver county and it does not work, I asked if she could pull it and hold it, and she said, " it only takes 2 seconds to get it- come right in." So no "holding room" for my BK- Dang!I'm just doing the filing date dispute then. Link to comment Share on other sites More sharing options...
workinninetofive Posted December 16, 2004 Report Share Posted December 16, 2004 Socrates-damn... your GOOD lol.. Link to comment Share on other sites More sharing options...
Alexander Posted November 25, 2005 Report Share Posted November 25, 2005 The holding room idea came from a book called "Guaranteed Credit" written by Arnold Goldstein in 1996. See page 80-81. It may have worked when the book was written but a lot of records are now stored electronically. Link to comment Share on other sites More sharing options...
PRINCESS73991 Posted November 29, 2005 Report Share Posted November 29, 2005 yeah, it seems like they have an electronic way of doing this because transunion keeps verifying my Ch 7 BK within 3 days. I'm running out of options with them. Its the only CRA left reporting my BK and I don't know what else to do. Link to comment Share on other sites More sharing options...
sizax Posted November 29, 2005 Report Share Posted November 29, 2005 Did you ask for and receive proper MOV? Link to comment Share on other sites More sharing options...
PRINCESS73991 Posted November 29, 2005 Report Share Posted November 29, 2005 No, I didn't because I've read that CRA's don't respond to those. That they just send out a generic letter. Should I do it anyway? Link to comment Share on other sites More sharing options...
Alexander Posted December 2, 2005 Report Share Posted December 2, 2005 Did you ask for and receive proper MOV?What is a MOV? Link to comment Share on other sites More sharing options...
PRINCESS73991 Posted December 2, 2005 Report Share Posted December 2, 2005 Method of Verification Link to comment Share on other sites More sharing options...
selway Posted February 23, 2006 Report Share Posted February 23, 2006 If you dispute the bankruptcy on your credit report, what happens to all of the accounts that are listed as included in the bankruptcy?Thank you,still learning! Link to comment Share on other sites More sharing options...
Alexander Posted February 23, 2006 Report Share Posted February 23, 2006 In general you want to get all the Included in BK (IIB) accounts on any given report deleted before you try to get the BK public record itself removed.What seems to happen say half of the time is the IIB will transform into a charge off. Link to comment Share on other sites More sharing options...
mrsmjohnson70 Posted February 24, 2006 Report Share Posted February 24, 2006 WOW, THIS IS SOME JAMES BOND CIA INFORMATION. THANKS FOR THE INSIDE SECRET. HOW COME THEY DON'T MAKE IT READILY AVAILABLE TO THE AVERAGE JOE ABOUT HOW TO FIX YOUR CREDIT?THANK YOU, MARY Link to comment Share on other sites More sharing options...
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