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Discharged BK7 Reported on Credit Reports

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Anonymous
Not applicable

Discharged BK7 Reported on Credit Reports

Good day everyone!

 

I'm sure this has been asked a million times. Sorry, I could not find it during my search of the boards. So here it goes (again).

 

The Federal Bankruptcy Courts do not report bankruptcies to the credit bureas, the credit bureas pull that information from public records legally.

 

Is it a common practice to dispute a valid BK with the CBs to have them remove the public record from the CR? Do you think I would be successful in asking them to remove a 2006 BK7 from my CRs?

 

Thank you.

Message 1 of 3
2 REPLIES 2
TRC_WA
Senior Contributor

Re: Discharged BK7 Reported on Credit Reports

In 2016 maybe...
FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 2 of 3
ezdriver
Senior Contributor

Re: Discharged BK7 Reported on Credit Reports

No.

Message 3 of 3
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