isthatguy Posted January 23, 2008 Report Share Posted January 23, 2008 Ok first of all, I have just mail my first dispute letter about 7 days ago, and I disputed all negative items, hoping to remove everything that was included in bankruptcy, this bankruptcy was about 2 years ago. Here is the informatin that equifax is showing....Court of law [?] Not reported Case number [?] 594VF1XXXX Date filed [?] Nov 01, 2005 Status [?] Discharged CH-7 Plaintiff [?] Not reported Defendant [?] Not reported I have not looked at the other two credit agencies yet, as I am going to do them one at a time. But to me, it looks like I have a case to dispute, and possibly get it removed once I get the things removed that were included in my bankruptcy.Thank in advice! Link to comment Share on other sites More sharing options...
LadynRed Posted January 23, 2008 Report Share Posted January 23, 2008 You can dispute anything that is not 100% accurate. I don't think the 'not reported' is disputable and it's not really relevant anyway. The case number and the date ARE. Link to comment Share on other sites More sharing options...
lovebug5 Posted January 23, 2008 Report Share Posted January 23, 2008 Why are you disputing all of this information? If you legitimately filed for BK, if those accounts are legitimately yours, why are you attempting to have your accurate history removed from you reports? Link to comment Share on other sites More sharing options...
isthatguy Posted January 23, 2008 Author Report Share Posted January 23, 2008 to clean my credit, increase my score.. but of course.. Link to comment Share on other sites More sharing options...
VeVe Posted January 23, 2008 Report Share Posted January 23, 2008 to clean my credit, increase my score.. but of course..So you can do it all over again? Sorry, but I don't think it's fair. If you filed for BK, you should face the consequences that come along with it, including the fact that it's reported by the CRAs. Trying to delete something serious like this makes it seem like you took the easy road out, don't care, and are trying to cheat a system that helped you in the first place. 1 Link to comment Share on other sites More sharing options...
lovebug5 Posted January 23, 2008 Report Share Posted January 23, 2008 So VeVe doesn't get in trouble for speaking her mind, since I'm the one who asked the question to the OP I'm also going to respond to that. I will preface this by saying that I hope the OP (and other members of these forums) can understand that these are public boards which grant everyone the right to speak their mind and give their opinions freely. As this is a public board, these threads are indexed by various spiders and show up in relevant search results - therefore leaving anything said to become easily read by non-members.Now that I've given my mini-preface, I will say very publicly that I have major problems with the OP's reasoning for having his/her BK removed from his/her CR's. Take responsibility for the things that you've done and stop attempting to find ways around your financial mistakes. You've already been freed from your debt, now take ownership of what has happened to you and work towards ensuring that it doesn't happen again. Instead of manipulating a system that was put in place to protect us as consumers, work to create a better future rather than cheating your way out.It's just not good when newbies come to the forums and read postings like this, which then give people the idea that they can run out and file for BK without taking responsibility for their issues.I'm off my soapbox. Link to comment Share on other sites More sharing options...
isthatguy Posted January 24, 2008 Author Report Share Posted January 24, 2008 i take full responsibility for my actions, I have cleaned up most of my credit and would love to now qualify for prime rates. and how could I do it again.. I would not be able to for 7 years after original date, thats public record... there is nothing wrong with trying to clean up your credit, im not doing anything illegal. and i have no intent on ever filing again. Learn to know certain situations before you go and accusing people of such dramatizations. Link to comment Share on other sites More sharing options...
jq26 Posted January 24, 2008 Report Share Posted January 24, 2008 isthatguy, try to get it removed if you can. You didn't write the rules of the game, you are just playing the best game you can within the system. If they are dumb enough to delete your public record, then that is on them. I have had no luck.Should you happen to make a large purchase (ie house), they will specifically ask you if you have filed BK and you must sign to the truth of it. Link to comment Share on other sites More sharing options...
kb9tbq Posted January 24, 2008 Report Share Posted January 24, 2008 I agree if you can get it removed, go for it. Link to comment Share on other sites More sharing options...
jetscarbie Posted January 24, 2008 Report Share Posted January 24, 2008 isthatguy...I appluad you for trying to clean and repair your credit. Everyone deserves second chances.Try disputing the tradelines with the CRA's. Good luck Link to comment Share on other sites More sharing options...
VeVe Posted January 24, 2008 Report Share Posted January 24, 2008 For all of you that see no problem with someone trying to get a valid, fairly recent, BK removed from their credit reports, would you mind explaining why you don't see the problem with doing so? Link to comment Share on other sites More sharing options...
jetscarbie Posted January 24, 2008 Report Share Posted January 24, 2008 Why are you so quick to pass judgement on everyone that post here???? Link to comment Share on other sites More sharing options...
VeVe Posted January 24, 2008 Report Share Posted January 24, 2008 Who's passing judgement?This is not an error, or a discrepency, on the OPs credit reports. This is an accurate, deliberate, record. The OP KNEW what they were doing when they filed, how long it would on their reports, and was well aware of the consequences when filing. I"m all for people trying to clean up errors and working towards establishing good credit, but NOT if that means trying to cheat a system that helped you in an enormous way. From my side, for the most part it seems like the people that understand the consequences of their BK and are more than willing to deal with them are people that resorted it due to no real fault of their own (i.e. illness, job loss, etc). The ones that really don't care and are trying to find an easy way out of it are the ones that saw the BK itself as being an easy way out of a situation they put themselves in (i.e. living beyond their means, maxing out cc's on non-necessities). From the way the OP has addressed this issue, I'm thinking he falls under that latter of the two. If they didn't want 7 years of the BK on their reports, they shouldn't have filed for it. Link to comment Share on other sites More sharing options...
jq26 Posted January 24, 2008 Report Share Posted January 24, 2008 For all of you that see no problem with someone trying to get a valid, fairly recent, BK removed from their credit reports, would you mind explaining why you don't see the problem with doing so?I hope you're kidding. Why would I want to advertise my BK from 3 years ago? If I can get it removed, I will. fyi- BK7 is supposed to be on your reports for 10 years, not 7. Link to comment Share on other sites More sharing options...
isthatguy Posted January 24, 2008 Author Report Share Posted January 24, 2008 thanks for the positive responses all!FYI. I have sent disputes about a week ago for everythign that is IIBK, and for reason I chose Not mine. So I am just waiting on responses back from the cra.Like I said in original post, I am only doing experian currently, I would liek to see how it works, if everything goes smoothly, I will then submit everything the same way to the other 2. Link to comment Share on other sites More sharing options...
jetscarbie Posted January 24, 2008 Report Share Posted January 24, 2008 The ones that really don't care and are trying to find an easy way out of it are the ones that saw the BK itself as being an easy way out of a situation they put themselves in (i.e. living beyond their means, maxing out cc's on non-necessities). From the way the OP has addressed this issue, I'm thinking he falls under that latter of the two. But, how do you KNOW that? That's passing judgement and assuming something about somebody that you don't know.I think........him being here, and reading the boards, and posting questions....shows that he is serious and wants to better his credit. I think that way about everyone that post here. Do I think they all have "good intentions"? No, but it's not my place to tell them that. All you can hope for is that some people soak in the good information that is here....and they learn to change how they deal with THEIR credit so they are never in this situation again.I had an old Providian account....yes it was mine. They sold it to LVNV and I was sued....I won.....and got the account deleted. I feel NO shame.All is good. I do understand where you are coming from though. I just think you are a bit harsh on some people. Link to comment Share on other sites More sharing options...
jq26 Posted January 24, 2008 Report Share Posted January 24, 2008 If someone wants to see the BK, they can always go to the public records and see it. Last I checked, public records were recorded for 30 years! But to just sit back and wear it as a badge of honor on my CRA reports is not a sign of responsibility. That would be foolish. My credit report does not live by anyone's moral code. It is just a reporting service that is used to set contractual terms of business. Link to comment Share on other sites More sharing options...
VeVe Posted January 24, 2008 Report Share Posted January 24, 2008 I think........him being here, and reading the boards, and posting questions....shows that he is serious and wants to better his credit. I think that way about everyone that post here. Do I think they all have "good intentions"? No, but it's not my place to tell them that. All you can hope for is that some people soak in the good information that is here....and they learn to change how they deal with THEIR credit so they are never in this situation again.If his very first post here wasn't basically "how do I remove a valid BK from my credit reports", than maybe I would agree with you. However that wasn't the case here. Link to comment Share on other sites More sharing options...
jq26 Posted January 24, 2008 Report Share Posted January 24, 2008 If his very first post here wasn't basically "how do I remove a valid BK from my credit reports", than maybe I would agree with you. However that wasn't the case here.Good point. Likely never will happen so probably a moot point. These things stick like glue. Link to comment Share on other sites More sharing options...
kb9tbq Posted January 24, 2008 Report Share Posted January 24, 2008 I didn't see it in your original question but there was liabilities and assets listing with the bankruptcy and usually them amounts are wrong and can be disputed. Link to comment Share on other sites More sharing options...
isthatguy Posted January 24, 2008 Author Report Share Posted January 24, 2008 If his very first post here wasn't basically "how do I remove a valid BK from my credit reports", than maybe I would agree with you. However that wasn't the case here.well, I have been reading and reading and reading.. no point in asking questions until I have them, is that not correct? I filed bk due to I was young, lost job and was not responsible... I have grown up fast, and now want to correct my mistakes, I make enough now to where if I could pay everything back and get it off my credit I would.. but unfortunatly it does not work that way, so I am going to do what I can to better my credit, so I can be approved for prime rates, like I stated before.I dont feel that I should have to sit here and explain all of my reasoning... if you dont like it, why do you sit here and keep posting in my thread. I did not come on here and ask about info on removing my bk, all people against it and who pass quick judgement please post... did I? the answer to that is NO.. I came on here looking for positive responses that can help is positive ways.If you dont like it, I will not miss your posts in my thread. Link to comment Share on other sites More sharing options...
isthatguy Posted January 24, 2008 Author Report Share Posted January 24, 2008 I didn't see it in your original question but there was liabilities and assets listing with the bankruptcy and usually them amounts are wrong and can be disputed.sorry for the 2 in a row..but thank you very much for all your help... you seem to very intelligent when it comes to this,... which I am learning the ropes and reading and reading.I just got notice on myfico that as of the 23rd the investigations for my disputes have started. Link to comment Share on other sites More sharing options...
JAMTAMASH Posted January 24, 2008 Report Share Posted January 24, 2008 I have challenged everything in that was included in BK for both my husband and myself. Only two collections remain on my husbands EQ that were included. BK 7 was discharged Aug 05. This is just to give you encouragement. There is nothing to feel bad about nor any judgement should be passed. It has taken two years to get our reports clean. The BK on my TU is even deleted. Our BK was due to a long hospital stay, had insurance, but without employement for 3 months and copays it adds up. You keep on trucking the way your are. Do not challenge the BK until all of your IIB accounts are gone. Now that our reports are in the condition they are we got our score up with great TL we are trying for another house. Our broker said we did a good job of doing what we did. Of course since the BK we have had total clean history with added TL. Also remember if you do get the BK deleted it will put you on another FICO score card and your scores may lower. My TU took a 30 point nosedive when the BK got deleted but is in the process of raising now. Keep on the right track. Blessings. Link to comment Share on other sites More sharing options...
mayormyk Posted January 25, 2008 Report Share Posted January 25, 2008 Im sorry but I have to chime in,.....every single one of us here is "playing the rules" in order to get what we can back. We all have made mistakes (thats why were here.) and there is no statute that says in 2 years I can't try to better myself....Im not the same person I was 2 years ago and hopefully you arent either. Each of us is learning from our mistakes. I also hardly think the poster was thinking I'll claim bankrupty, find a forum and delete my past mistakes.I agree the BKlaw is so that people CAN get a 2nd chance after serious financial misfortunes. But I would bet anything that a few of your TL's were there from poor financial choices and Ill bet even further that your here to get them removed.Just tellin it like I see it, I really thought it was rude. Whether you agree or not.....If it doesn't grow.......ITS DEAD. Link to comment Share on other sites More sharing options...
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