topic Re: Disputing items on your credit report in General Credit Topics

Disputing items on your credit report

Anonymous — Wed, 20 May 2009 20:42:33 GMT

I am new to all of this. If an account is showing on your report and it is older than 7 years can I dispute it and have it removed from my credit report? What are the rules for disputing items on your credit report?

Re: Disputing items on your credit report

Anonymous — Wed, 20 May 2009 21:02:18 GMT

You can dispute as being beyond CRTP.

However, what date are you looking at and is this a positive or negative account? Open or closed?

Re: Disputing items on your credit report

Anonymous — Thu, 21 May 2009 16:39:44 GMT

Well I filed for bankruptcy back in 1999. I thought this would come off my report after 7 years. Will it stay on my report forever?

Re: Disputing items on your credit report

llecs — Thu, 21 May 2009 16:45:38 GMT

Is it the BK (in the public records section) that is still reporting? If so, was it a BK7?

Re: Disputing items on your credit report

Anonymous — Thu, 21 May 2009 18:28:02 GMT

Yes and yes it was BK7.

Re: Disputing items on your credit report

Anonymous — Thu, 21 May 2009 18:38:45 GMT

The Federal Fair Credit Report Act requires that bankruptcy entries will remain for 10-years.

A dismissed chapter 7 remains for 10 years.

A dismissed chapter 13 remains for 7-years.