Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Karma
Profile Image

Question By
gigismith1103

0 Contributions
0 People Helped
How come I have been discharged in Chapter 7 bankruptcy but doesnt state it here?
it doesn't say that i had a bankruptcy on my report , it says I have outstanding and open accounts, which I should not have. What do I do?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7368 Contributions
3809 People Helped

The information on this site is from Transunion and the court where your bankruptcy was filed might report to either Experian or Equifax, which are the other two credit bureaus.  Go to annualcreditreport.com to get copies of all three credit reports.  Look them over carefully and file disputes on all WRONG information with the credit bureau reporting same.  They have to investigate and either verify or delete the disputed items.  It is very smart to do this check annually.

The accounts you included in your bankruptcy should be listed in the paperwork for that (which you should have).  If the bankruptcy was recently filed, there may be accounts still showing on your credit reports that existed at the time the papers were filed.  These will remain reported on your credit report under FCRA, which is a federal regulation for 7 years. Depending on the date you filed the bankruptcy, all accounts included should vanish in 7 years and the bankruptcy itself should disappear in 10.

There is no removing the accounts listed before the date they fall off. 

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.