Regular Contributor
octavia
Posts: 125
Registered: ‎09-27-2007
Help please
I have a Bk Ch.13 that is should have dropped off my CR in 9/2007.  Do I dispute this with CR to get it removed? Should I do this online or in writting CMRRR?
 
Please someone advise me.
 
Thanks in advance.
Ficos: August 2009 EQ 713
July 2008 EQ 696, EX 726, TU 710
Ficos: April 2008, EQ 696, EX 721, TU 710
Ficos: January 2008, EQ 691, EX 715, TU 663
Valued Member
creditrecovery
Posts: 46
Registered: ‎07-27-2007
Re: Help please
Hi, I would definitely dispute it to get it dropped off.
I would think that you should have no problem disputing with the CRA online.
Valued Member
creditrecovery
Posts: 46
Registered: ‎07-27-2007
Re: Help please

octavia wrote:
I have a Bk Ch.13 that is should have dropped off my CR in 9/2007. Do I dispute this with CR to get it removed? Should I do this online or in writting CMRRR?
Please someone advise me.
Thanks in advance.





I also came across this:
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=10399&query.id=92898#M10399

:smileyhappy:
Senior Contributor
Noah_Bodie
Posts: 4,635
Registered: ‎03-11-2007
Re: Help please


octavia wrote:
I have a Bk Ch.13 that is should have dropped off my CR in 9/2007.  Do I dispute this with CR to get it removed? Should I do this online or in writting CMRRR?


If you filed BK13 in 9/2000, then they tend to drop after 7 years. However, under law, BKs (7 or 13) can report for up to 10 years.
 
The CRAs tend to report BK7s for 10 years from discharge date and tend to report BK13s for 7 years from the filing date. This is their policy of encouraging people to go 13 rather than 7.
 
If it's beyond 10 years, they cannot report it. Period. You can be firm with them and call, fax, dispute online or dispute via CMRRR.
 
If it's beyond 7 but within 10, they might delete it if you disputed. I'd try a softer approach and dispute or via fax.