 Can unpaid hospital bills ruin your credit? |
| I have no insurance and recently broke my leg, I am not working and the bills are piling up, the hospital bills are over$ 10.000, and I won't be able to pay that for awhile, and now they are ... |
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 I have been working on my credit score for the past few months trying to get the magic score of 630? |
| I paid everything that can be paid and I am so close to the goal but I don’t know what I can do next. I know time heals all wounds with credit scores but I hoping to get into a house this summer. <... |
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 What if false claim is made by collection agency against you to the credit bureau? |
| Hi. About 8 to 9 years back i used to live in an apartment complex. When i moved out of the apartment in 2001, i was told to make some payment about carpet damage to the management. The payment was ... |
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 Should I file for bankruptcy? |
| I'm 29, and my debt is under but probably close to 10K, much of it sent to collection. This debt includes student loans, credit cards, and my bank account balance, which was in the negative and ... |
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| How do i establish good credit? im 18 and dont have a credit card, bank account, car.....how do i start? |
I do have a job.....and im on my own now...in a few months i want to buy a car but dont know how i would do that without ANY credit.........???
Additional Details
so if not a credit ... |
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 How soon are defaults removed from your credit file/history? |
| How many years are defaults held against you for and when if ever are they removed from your credit history all together? T... |
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 Why do some people have multiple credit cards? |
Also,
Does having multiple credit card affect your credit score?
Is it better to stick with one credit card?... |
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 What is the best solution to repair your credit score? |
| I have a low credit score. do i need to hire someone to reapair it, and who? wanting to try and buy a house in less than a year and i want to have a decent credit score.... |
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 What does it means when your husband lend his credit card to his female senior engineer? |
| He lent his credit card to his senior engineer to forge his signature without his presence so as to sign his card to get discount just to help her save a little on petrol cost. That lady accepted and ... |
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 My boyfriend has bad credit, will his credit go up if I put him on a card with me? (It didnt ask for his SS#)? |
| His credit score is in the 500's. He called the company's to clear the late payments, will that help? and how long till we see numbers go up. We really want to get a house, my credit is 742,... |
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 I have credit card dept? Can my husband pay it off with his credit card? |
| I have capital One. I haven't paid it back for a while which is ruining my credit. My question is can my husband pay from his Washington Mutual credit card to pay my credit card debt?... |
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 How do you get a 125% Mortgage if in the past you have had poor credit? |
| i am looking to buy a house the house is £172000 and i need £18000 any idear.... |
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 What can people do with your credit card information? |
| like on ebay, should i use paypal? what are the risks of paying directly giving your credit card information?... |
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 Visa Credit Cards help? |
| I just recieved my first credit card. I opened up a checking account at EastWestBank and got a visa check card/debit and another credit card. I was wondering whats the difference between the visa ... |
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hasdad62 | Dispute Bankruptcy? |
I filed a bankruptcy 8 years ago. Chapter 7. I was told that if I write the bureaus a letter disputing this legitimate bankruptcy, That there is no way to legitimize the bankruptcy this far out and they will have to remove it off of my bureaus. Is this true? |
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Studly
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Officer Enoriverbend of the Morality Police!
Everyone is a deadbeat. Everyone is a lier.
Lets clump all those people into the same bunch as those who had their finances destroyed by divorce, loss of a job, medical emergencies, or some other personal disaster. I hope you never have such a problem. With your nose stuck up that high you are a big risk for a trip-and-fall accident.
Trying to get bankruptcies off your credit report is difficult. Verifying public records is a simple task.
Some people have been able to get it done by depending on the incompetent work of credit bureaus. If you have had a change of address, dispute the address currently on record and make sure they have your current address. Then file a dispute on the bankruptcy saying it's not your bankruptcy and is being reported in error. If you are lucky they will do a crappy job investigating it (or not at all) and delete it. |
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ZinaRae
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Wrong. It's there for 10 years. |
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meandnadine
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From this site...
http://www.moranlaw.net/creditreports.htm
Credit reports after bankruptcy
Your bankruptcy can be reported on your credit report for 10 years from the filing of the case. If you file a bankruptcy and voluntarily dismiss it before the discharge, the credit reporting agency must report the dismissal as well as the bankruptcy filing.
Assuming you have income, you should be more credit worthy after a bankruptcy than you were before, since your old debts no longer have a claim on your future income.
Commentary to the Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a 0 balance. FTC OSC section 607, item 6 states: "A consumer report may include an account that was discharged in bankruptcy (as well as the bankruptcy itself), as long as it reports a zero balance due to reflect the fact that the consumer is no longer liable for the discharged
debt."
After the discharge, you are entitled under federal law to have the balance of each discharged debt reported as "O". The history of delinquencies can be reported, but the balance must be zero. If it is not so reported, dispute the debt.
Negative history on your credit report is just that: history. It does not doom you to perpetual credit rejection. It does challenge you to strengthen your financial present by saving and using credit carefully. |
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tom168mail
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they will remove it... but it takes like 10 years or more... depending where you live; or what you've been doing in this 8 years... |
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SPIFIMAN1
 |
No it is not.
Bankruptcy's show for 10-years. And they are public record so they are not hard to prove. |
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Mom of 2 great boys
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I don't think so.
This will stay on your credit for at least 10yrs.
Most creditors look back 7.
It doesn't matter what the reason was, it is still bankruptcy. |
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Dewey K
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I had a bankruptcy several years ago. It was still on the record officially when I went to a dealer to buy a car. Since the credit report was several pages long he didn't see the bankruptcy right away but brought it up later. When I pointed out the date (9 1/2 years) he said OH! I didn't see the date. He got me a good loan with no problem. It's not the bankruptcy that causes a problem it is what you have done in the meanwhile. |
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Feeling Mutual
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You need to speak to an attorney who specializes in Bankruptcy.
Your question does not make much sense to me. Why would you need to "legitimize" a bankruptcy? Either your debts were discharged or they were not.
If a collection agency is giving you a hard time about a discharged debt, have your original bankrupcty attorney write them a letter saying that they are in violation of the law.
If they still call or hassle you about them, tell them they are welcome to file a motion with the bankrupcy court. |
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Cali Girl
 |
Not true. Federal courts keep the best records and this will be easy to verify. This should clear off your report in about 10 years from the date of the discharge notice. |
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enoriverbend
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So, eight years ago you lied to a lot of people by telling them you'd pay them back, and didn't, by declaring bankruptcy.
Now you want to lie about the bankruptcy itself.
You may wish to re-examine your morals, if any.
Followup to Studly: You are certainly correct that sometimes bankruptcy occurs when unforeseen circumstances occur. More and more, lately, it seems that bankruptcy is an alternative to paying one's bills under *foreseeable* circumstances. I do note that you proceed to explain just how to get away with lying about the bankruptcy without addressing how that lie can be ethical. |
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