Can a creditor list an account as “in collections” to the 3 major bureaus, that was included in a Chapter 7 ?
My bk is 1 year and 4 months old and I just pulled my credit report after being turned down for a credit card, to find that my previous debts were not changed to “included in bankruptcy” but still report as “in collections”! Is this hurting my credit report? The accounts are listed as closed, but they still show a balance! Can this be fixed? Am I protected by the bankruptcy laws?
June 22nd, 2009 at 8:42 pm
bankruptcy is to WIPE away EVERYTHING!!!! Better get your bankruptcy lawyer on it, it is hurting you.
June 23rd, 2009 at 12:04 pm
I had the same thing happen, just file a dispute and tell the Credit report agency that it should have been included the in bankruptcy. It will be fixed.
June 24th, 2009 at 3:15 am
This can be easily fixed by contacting the three bureaus. You have proof of their discharge in your papers. Of course, this is providing that these particular debts were listed on your bankruptcy papers and properly discharged.
June 26th, 2009 at 7:04 pm
contact the credit card companies in question.. if “in collections ” BEFORE bankruptcy finished in court .. they have to remove balance
as for if that is hurting your credit report?
NO silly… your bankruptcy is
and will for 10 years after filing date
June 29th, 2009 at 4:55 am
My ex-husband is going through the same thing right now I just sent out 8 certified letters to the credit bureaus disputing just what u are talking about. Just keep on disputing they will fix eventually.
June 29th, 2009 at 6:09 pm
The above advice is correct, but let me correct Jodi’s answer.
It does you no good to constantly dispute a listing with the credit bureau. After 2-3 disputes have been investigated, they can (by law) ignore further disputes as frivilous.
You gotta learn how to play the game! Credit listings can NOT be deleted or changed by the credit bureau, except when the creditor fails to respond to an investigation request. Only the creditor can change the listing.
Therefore, you need to be sure to send the creditor a certified letter, return receipt. Inform them that their listing is innacurate and must be corrected within 30 days. If they fail to do so, then you have grounds to sue them in small claims court for $1000. You can also sue for any damage that their listing has caused you (turned down for credit, higher interest rate, etc…).
Quit playing games with these people!