Bankruptcy

[Changingmantra]

Today, after reading that per NYS law a collections that is paid to 0 must come off one's credit report at the five year mark, I called First Premier to whom I paid over $400 six years ago, to request that they remove a collections.  The CSR kept telling me that that particular account was included in my bankruptcy, so they could not  have accepted a payment from me.  Now, I am looking at my CR where it clearly says that I settled this account for $$432.  

This was long before I knew anything about MyFico or that I did not have to pay this.    I know I need to double-check to make sure that this account was indeed included in a bankruptcy. Now what?

Thanks

[StartingOver10]

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Changingmantra wrote:

Today, after reading that per NYS law a collections that is paid to 0 must come off one's credit report at the five year mark, I called First Premier to whom I paid over $400 six years ago, to request that they remove a collections.  The CSR kept telling me that that particular account was included in my bankruptcy, so they could not  have accepted a payment from me.  Now, I am looking at my CR where it clearly says that I settled this account for $$432.  

This was long before I knew anything about MyFico or that I did not have to pay this.    I know I need to double-check to make sure that this account was indeed included in a bankruptcy. Now what?

Thanks

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Are you asking how to check to see if it was included? You can pull out your BK petition and check it. If you don't have your petition you can go to PACER.gov and sign up to get a copy of your BK file. It is ten cents a page to download your file. All of your creditors that you had at the time would have had to have been on the petition.  Even if they weren't specifically listed, if you had the debt prior to your filing BK, then they are included. The only debt that would not have been discharged (if you received a discharge) is anything you may have reaffirmed prior to discharge. Good Luck.