topic Re: Ch 13 converted to Ch 7 but both reporting on Equifax, is this right? in Bankruptcy

Ch 13 converted to Ch 7 but both reporting on Equifax, is this right?

Anonymous — Thu, 16 Jan 2014 23:04:46 GMT

Hi all,

I had Chapter 13 bankruptcy that converted to Chapter 7, and then Chapter 7 got dismissed in 2010. I couldn't get approved for a mortgage because of the low Equifax score and my mortgage broker told me Equifax is the only one that reported it as 2 separate bakruptcies, with the same dismissal date. Shouldn't it only show Chapter 7? The other 2 bureaus are only showing Ch. 7...this is what it shows...

Bankruptcy filed on Dec, 2007Type [?]Court number [?]Case number [?]Date filed [?]Status [?]

Bankruptcy

728VF00019

0712342-DSP-06/10

Dec, 2007

DISMSD/CLSD CH13

Bankruptcy filed on Dec, 2007

Type [?]Court number [?]Case number [?]Date filed [?]Status [?]

Bankruptcy

728VF00019

1015093-DSP-09/10

Dec, 2007

Discharged CH-7

Re: Ch 13 converted to Ch 7 but both reporting on Equifax, is this right?

Anonymous — Thu, 16 Jan 2014 23:05:36 GMT

I meant to say Ch. 7 was discharged, not dismissed.

Re: Ch 13 converted to Ch 7 but both reporting on Equifax, is this right?

Officer737 — Thu, 16 Jan 2014 23:07:39 GMT

Looks like they didn't get the info about the conversion and are listing it as a Ch 20 (complete Ch 13 then go Ch 7).

Re: Ch 13 converted to Ch 7 but both reporting on Equifax, is this right?

Anonymous — Thu, 16 Jan 2014 23:09:39 GMT

Thank you. What should I provide them with, to correct this? I don't think I have any of my Chapter 13 paperwork any more...

Re: Ch 13 converted to Ch 7 but both reporting on Equifax, is this right?

Officer737 — Thu, 16 Jan 2014 23:12:45 GMT

If you can go to the courts where you filed them both and get copies then you can send it to the CRA. Make several copies and give a copy to your mortgage people, maybe they will be able to work it out faster than waiting for it to update. Make a couple of extra copies to keep just in case