Nov
26
After 90 days some items on my credit reports are still showing a balance though I filed bankruptcy?
Filed Under Personal Finance
Brian M asked:
They were included in the bankruptcy, should I dispute them, call them and bug them to put 0 balance that I claimed bankruptcy? Any advice. I have been a member of Fico Deluxe monitering for about 2 months now, I am trying to be smarter what should I do to “clean my report” so it is accurate?
Bankruptcy was DISCHARGED in early June 07.
No the ones that are still on there are on my copy of the bankruptcy so I know they were filed on.
Sorry Answerer 2 your wrong. Most of the items on my credit report says ( 0 balance and in status it says Chapt 7 bankruptcy discharged)
Here is a link I found after posting this
They were included in the bankruptcy, should I dispute them, call them and bug them to put 0 balance that I claimed bankruptcy? Any advice. I have been a member of Fico Deluxe monitering for about 2 months now, I am trying to be smarter what should I do to “clean my report” so it is accurate?
Bankruptcy was DISCHARGED in early June 07.
No the ones that are still on there are on my copy of the bankruptcy so I know they were filed on.
Sorry Answerer 2 your wrong. Most of the items on my credit report says ( 0 balance and in status it says Chapt 7 bankruptcy discharged)
Here is a link I found after posting this
http://www.moranlaw.net/creditreports.htm
*****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.” *****
TOMAS
