NOMORE Posted November 3, 2007 Report Share Posted November 3, 2007 Hi everyone can someone tell me how long does Equifax keep bankruptcy chapter 13 on credit report I filed in 1999 TU and EX drop it off but Equifax still shows it I field when I lived in NJ and now live in PA if it’s make any different, I disputed it and it came back verified, can someone shed some light on this topic.Thank You All Link to comment Share on other sites More sharing options...
LNY Posted November 3, 2007 Report Share Posted November 3, 2007 Hi everyone can someone tell me how long does Equifax keep bankruptcy chapter 13 on credit report I filed in 1999 TU and EX drop it off but Equifax still shows it I field when I lived in NJ and now live in PA if it’s make any different, I disputed it and it came back verified, can someone shed some light on this topic.Thank You AllHow did you dispute it?Some people disagree, but every once in a while (more than that for me), calling the CRA and calling a human being's attention to an obvious error can get it deleted on the spot. Simply remind them that a Chapter 13 bankruptcy only stays for 7 years and not 10, and therefore should have come off your report a year ago. If you get nowhere with the first rep, ask to speak to a supervisor. If you still get nowhere, dispute via certified mail.Calling them doesn't hurt. I've had several things deleted immediately that way... just make sure to be nice, and to request that the deletion be verified in writing by mail for your records. You're also entitled to an updated report with the investigation results, be sure to ask for that too.I'm not saying there's a guarantee you will succeed on the phone, but I'd start there for the possibility of instant gratification. Link to comment Share on other sites More sharing options...
NOMORE Posted November 3, 2007 Author Report Share Posted November 3, 2007 I disputed the item on line letting them know the current status is incorrect and it came back verified on 10/07, after reading your post I will be calling them first thing Monday morning thanks for your help.NOMORE Link to comment Share on other sites More sharing options...
LadynRed Posted November 7, 2007 Report Share Posted November 7, 2007 Technically, and per the FCRA, ALL bankruptcies can be reported for 10 years. The CRA's have apparently gotten into the habit of removing DISCHARGED Ch 13's after 7, dismissed CH13's stay for 10. Link to comment Share on other sites More sharing options...
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