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Sls2005

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AFTER BANKRUPTCY
MY BANKRUPTCY WAS DISCHARGED 7-24-13. I THOUGHT THAT CLEARED EVERYTHING.
MY CAR WAS NOT INCLUDED,IM STILL PAYING THE LOAN PAYMENTS.I'VE NEVER BEEN LATE.WHY IS'NT THIS LOAN BEING REPORTED ON MY CREDIT REPORT? IT WOULD CERTAINLY RAISE MY CREDIT SCORE.

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WHOA!!!

Helpful to 1 out of 2 people

A bankruptcy doesn't "clear" everything.  It doesn't make the debts you took out disappear from your credit record.  The Fair Credit Reporting Act (a federal regulation) REQUIRES that credit accounts be reported for 7 years from the date of last payment.  There are no provisions for removing a legitimate account from your report before then.

Your car is likely being reported, but not to Transuniion, which is the credit bureau this site gets information from.  You can find out what credit bureau is receiving the reports on this account by going to annualcreditreport.com and ordering copies of all 3 credit reports.  Look them over.  If you see any WRONG information (stuff that is not yours) file a dispute on that item with the credit bureau reporting same.  They will have to investigate and either verify or delete the item.

You seem mto think that filing bankruptcy was good for your credit score.  WRONG!! It is going to provide a negative remark on your score for the next 10 years, and that is an unchangable fact.  The one thing you can do is continue making all account payments on time from now on.  Your next credit card may likely have to be a secured card, but that will be just one of the baby steps necessary to rebuild your credit.

And, please note that typing in all capital letters is the same as shouting.

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