Answers.com > Wiki Answers > Categories > Business & Finance > Personal Finance > Debt and Bankruptcy > Can you get a bankruptcy removed from your credit report if it was never officially filed?

Can you get a bankruptcy removed from your credit report if it was never officially filed?

In: Debt and Bankruptcy, Credit Reports, Credit [Edit categories]

Answer:

Yes you can, Kind of! I did exactly the same thing. I wrote letters to all three CRA's and 2 of the 3 removed them. I filed a complaint with FTC (FTC seems to be a worthless agency in my opinion) I still have not been able to get Equifax to remove it. They are wrong to report it and I have plenty of reasons. But under the law the can report it because it was filed. Once you submitt it to the court, you "have filed". This is a technicality and Equifax is just being willfully indignant. I suggest you don't give up. Keep trying. I am not giving up.

Answer

I just recently had a chapter 11 removed from my credit on both Equifax and Trans Union, I am finding Experian to be the indignant one. The bankrupcy was involuntary and dismissed when it was discovered unfounded. I was curious if anyone can help me figure out how to get this mess gone. I NEVER EVEN FILED BANKRUPCY!

- If you filed a petition with the bankruptcy court and got a case number you filed bankrupcty and can't have it removed. You may not have filed anything else or gone through with it but you filed banktrucpty.

Contributor:

Neila222

First answer by Neila222. Last edit by Kjhtexas. Contributor trust: 10 [recommend contributor ]. Question popularity: 235 [recommend question].

[report abuse]

Can you answer these Debt and Bankruptcy questions?

	What are acceptable computer programs for recording keeping?	Answer it!
	How long do you have after a house is sold at a foreclosure auction in Arizona?	Answer it!
	What is one of the major problems caused by a large national debt?	Answer it!
	What is a fixed income or debt investment?	Answer it!
	How long does it take to unfreeze your bank account after you file emergency bankruptcy?	Answer it!

Relevant answers:

How do you get a 1996 bankruptcy removed from your credit report?
you can't A bankruptcy remains on a credit report for 10 years from the time of discharge. Credit bureaus should remove the BK when the time limit has expired. Unfortunately all three...
How do you get a bankruptcy from 1988 removed from your credit report?
It should have come off no later than 1999/2000. First make sure that it is on your credit report in a place that a lender may see it. Some CRAs send individuals a "complete" report that may not...
How can a dismissed bankruptcy be removed from a credit report?
Nothing, a dismissed banruptcy remains on a credit report for seven years.
I never failed bankruptcy but it is on my credit report?
If you mean you never filed bankruptcy, your name and social security number have evidently been confused with someone else's. You will have to contact the 3 credit reporting bureaus and ask them to...
How do you remove a bankruptcy from your credit report that isn't yours because you have never?
Contact the credit bureau that has the incorrect information about the bankruptcy. They will contact whomever they need to in order to verify the information or remove it if it is deemed false.