Discharged BK-7 showing only as filed...

[CreditMedic]

The situation is this. An elderly gentlemen I know had a BK-7 filed and discharged back in 2003. On all three of his credit reports it is only showing as having been filed. NOT DISCHARGED.

What are your opinions on trying to have the BK removed from his credit and how would you go about it. Specifically, what language would you use in the letter to dispute it and has anyone done this or had success doing so?

Your assistance is greatly appreciated.

[willingtocope]

BK's are public records that get reported to CRAs by a different method than say, credit cards. There are companies that troll public records and then send them into the CRAs. If the BK was actually discharged, it is unusual that one of these trolls wouldn't have picked up on it, unless there was a name mixup or SS# scrambled or somthing like that.

But...what about all the accounts that were included in the BK. Are they listed as IIB on the reports? If not, you might have success writing the CRAs with a standard "not mine" kind of letter. There are examples of that around here.

On the other hand, if there are accounts that say IIB, then the best you could probably hope for is to have the BK actually listed as discharged. If that's the case, then a "not mine" would probably trigger enough of a reinvestigation to get it updated.

[LadynRed]

The discharge isn't going to be reported as a separate event. All they have to report is that it WAS included in bankruptcy.

[CreditMedic]

Thanks WTC & LIR,

He has trades showing as IIB. I was just wondering what the possiblities of getting it removed were since it has actually been discharged and is not reporting accurately in that sense.

Just wanted to punch the idea around a bit. The idea kind of got triggered when I helped him dispute some other things that were completely wrong or inaccurately reported on his credit. One being an account that was IIB but was not reporting as such. Decided to dipute it as IIB so it would properly report as such, but they ultimately notified him that it was DELETED.

Go figure!!!

I will say this though, when I (acting on the other gentlemens behalf) contacted EXP regarding this account for an update I was told that if the creditor did not respond back within the 30 day alotment that they would update it based on what the comsumer said... I always thought that if there was no response that it had to be removed. Then Ironically it was DELETED.

[medacer]

I was told by a mortgage broker who helped us get some invalid accounts off our credit report, that it had to be formally done, with a letter from the CRA's specifically stating that the accounts were in error, because of the chance that after deletion, the accounts could re-appear the next time reports were updated.

[CreditMedic]

They are removing the IIB account from both his EX and EQ Reports even though we disputed them as being IIB. Go figure. This may be a way of getting them off the credit asap.

Also I had it out with EQ about a judgement showing up on the senior citizens report that they claim to have verified. They say they sent someone to the court house to verify it. It absolutely is not this gentlemens judgement but they insist that they verified it at the court house. They DO NOT verify by anything other than a name apparently. They rep at EQ told me that I would have to get something from the court saying that it is not his judgement. The court does not provide anything like that. I tild them that I would send them the letter from the judgement holders Attorneys stating that this is not this gentlemens judgement. The EQ rep said this would not be acceptable.

Any pointers on this how to handle this other than the obvious CMRRR letter with the avaiable proof and the threat of legal action.

Thanks,