Anewlifeahead Posted August 30, 2015 Report Posted August 30, 2015 I am not sure what to call this but how do I deal with it I owed HSBC money they sold their account a collect agency I filed bankruptcy the changed the status to included in Bankruptcy I hired Lexington Law Firm Lexington disputed Now it appears under Positive credit on experian as follows see the attachmentIs there a letter I can send to someone to get this taked off my experian credit file please help Quote
Clydesmom Posted August 30, 2015 Report Posted August 30, 2015 Is there a letter I can send to someone to get this taked off my experian credit file please help No. There is no magic method that removes trade lines that are reporting accurately, not even with hiring a credit repair company which is what Lexington Law is. Plus you have the added problem that you included this account in bankruptcy and that is a public record. There are other ways for creditors to find out you owed them money besides your credit report. I can tell you from experience that HSBC will not budge so while you can technically tilt at this windmill trying to get it removed they can and will validate until the bitter end. With your BK you should be able to start building new credit a year or so after filing in which case the accounts included won't be hurting your score anymore. 1 Quote
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