Equifax Deletes Another Bankruptcy Chapter 7 And Two Judgments (August 28 2009)
by california on Tuesday, May 3rd, 2011 | 2 Comments
Here is an investigation that was completed by Equifax, and, they deleted a Chapter 7 Bankruptcy that was filed in 2003, as you KNOW Chapter 7 Bankruptcies from the date filed/discharged is suppose to stay on your report for 10 years. Also, they deleted two judgments, one was PAID, and, the other one WAS NOT PAID!. I only challenged these three items for my client. I don’t challenge to many negative accounts at once, it makes the bureaus suspicious. This particular investigation was started on August 6 2009. If you have questions, you can email me at goodcreditllc@gmail.com or visit my website. www.fixyourhorriblecredit.com
@danka2000 Yes, you are CORRECT, but, keep in mind, if the consumer does NOT challenge it!!…It can…and most likely in my experience will remain on the report for ten YEARS! Believe me, I know “NEGATIVE” information does NOT have to remain on the report for the time specified. Public records can be difficult at times, because people think that the CREDIT BUREAUS contact the courts directly….Not so, they use a system called “PACER”
I do want to correct you on one thing. Any negative information such as bankruptcy is NOT required to be on a credit report for 10 years. The FCRA states the 10 years is a max, not a min. A bankruptcy can be reported FOR UP to 10 years, BUT it DOES NOT have to be there for that long. It seems like disputing public records is easier since the courts take too long or don’t even repond at all.