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 Report
Profile Image

Question By
mari178

0 Contributions
0 People Helped
I was mistakenly filed a bankruptcy to my credit. How can I get that fixed?
I went to the bank to get a credit card to start building my credit and the card got denied. Later that day, someone from there called and told me I had a bankruptcy on my report and that's why every time I went to get a card it got denied but I have no debt. No prior credit cards. I've never been married. There's nothing under my name anywhere and still it says I filed for bankruptcy. How can I get this fixed?

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7347 Contributions
3806 People Helped

Go to annualcreditreport.com and get copies of your credit reports, then file diisputes on all wrong informatioin with the credit bureaus reporting it.  Then take the time to get needed credit knowledge by reading the articles on this site since that is what Credit Karma is here for.  You need to know how credit works and how to build a good credit score and the information here is excellent.    

Top Contributor
1132 Contributions
1209 People Helped

Give these guys a call 1  877  235  0324  Credit Pros, they can help.

Top Contributor
935 Contributions
132 People Helped

Review your credit report here on Ck and make your request of the actual credit bureaus for your credit report.  You are entitled to a free copy from each bureau once per year.  When the bank sends you your denial letter, you can send that to the credit bureau they consulted and make a request for a free copy.  You are entitled to a free copy each time you are denied for credit.   Once you have the report in hand, review for the bankruptcy they indicated and then you can file a dispute with the credit bureau of the item in question .  It would not be uncommon for an item to be reported to the wrong person based on human error when the data was sent to the credit bureau.   You don't need to pay someone to complete this task for you, its rather a simple task to complete.

Top Contributor

Reply by
faidros

935 Contributions
132 People Helped
Helpful to 0 out of 1 people

Be aware that Social Security numbers are not unique and more than one person can have the number.   There are other identifiers that go with the Social Security number to help identify us.  (IE: DOB)   Thus, if the information was only reported by the social security number it is possible it was charged to the wrong report.  Your quick research and dispute will help clear up your issue and I'm sure you'll soon have the credit card you desire.

Results 1-3 of 3Results 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.