Disputed item not removed after 5 or more tries..

[Anonymous]

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@utah2009 wrote:
I see your point - I think you are talking about credit repair firms.  I'm glad you see my point, too.  It's always good to hear from both sides.  Thanks for watching out for us!

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Absolutely, always two sides and no one is right or wrong, its just a matter of knowing what's what and making an informed decision, whatever works for the person. Good times.

[Anonymous]

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@Anonymous wrote:
I called Equifax again and now suddenly the item is corrected to reflect bankruptcy. My score jumped 30 points suddenly and FINALLY! I have to say I disputed this item at least 5 times; couple by mail; couple by internet; one by phone. I tried each method and this last time I used the fico.com letter that was generated and sent it in with my porsche letter and is now fixed. hmmmm?

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Good to hear. I guess it was just a matter of time and maybe someone just forgot or got lazy and they just realized its sitting in their inbox either way, glad it worked out for you.

[Anonymous]

Thanks everyone.

[Anonymous]

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@Anonymous wrote:
Thanks everyone.

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You are welcome and enjoy the score bump.

[Anonymous]

I have a question and just looking to see who could or would answer it for me.  In 2001 I had a chapter 13 that ended up being dismissed by the trustee because I did not add in an electric bill.  Anyway we had to pay off all those debts and then I was informed that when you have a chapter 13-dismissed it can stay on your credit report for 10 years not 7 years as a chapter 13-discharged.  I don't know but I did not get anything out of filing this BK and had to pay the lawyer and money to the trustee which of course was returned to us by the trustee.  The problem is I don't understand why it has to stay on my credit report for 10 years just like a chapter 7.  At least with a chapter 7 your debts were dismissed in my case they were all corrected by us and paid by us so why 10 years.  TU and Experiean removed it after 7 years but Equifax is hanging in there.  When I looked at my credit report from My Fico on Equifax it has a case #, the date and the status but every other thing says Not Reported.  I am thinking of writing to the court if I knew the address - I know it was the Federal Court but that is all I remember.  I am wondering if I sent a letter to Equifax asking why there is no other information but the case number, date and status that maybe this could be removed early.  I am just wondering.  Any help would be apprecviated.  Thanks.

[Anonymous]

Not 100% sure but I believe that's because the case was filed and considered, even if it was dismissed. Think of it like when you file an accident with your insurance company, even if you don't take their money and go fix it yourself, the fact that you told them will probably bump your rate and go on record. It sucks though, I'll give you that.

[Anonymous]

I realize what you are saying and you are right in comparing it with a car accident but the difference is the car accident only stays on your insurance report for 3 years and 4 months.  The thing that bothers me is not that it is on my report as I was the one who filed so I had to expect that but to keep it on my report for 10 years instead of 7 when I received no benefit from it is not quite fair.  I know it could be worse it could be all 3 CRA's that are reporting it but it is only Equifax.  Just thought that if there is no information on myfico excpet for the case #, date and the status I thought maybe I could dispute this as I don't think it should all say not reported.  Just wondering.  

[Anonymous]

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@Anonymous wrote:
I realize what you are saying and you are right in comparing it with a car accident but the difference is the car accident only stays on your insurance report for 3 years and 4 months.  The thing that bothers me is not that it is on my report as I was the one who filed so I had to expect that but to keep it on my report for 10 years instead of 7 when I received no benefit from it is not quite fair.  I know it could be worse it could be all 3 CRA's that are reporting it but it is only Equifax.  Just thought that if there is no information on myfico excpet for the case #, date and the status I thought maybe I could dispute this as I don't think it should all say not reported.  Just wondering.  

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I know and I am sorry, I didn't mean to imply they were the same. I used that as a way to clarify what I meant by once it makes a mark, it stays mentality of it. Trust me BK sucks dismissed or not in your case. I am a bit surprised that EQ of all is being the difficult one, I mean I know they have some idiosyncrasies that others don't but generally they are not the one that is a pain, its EX or even TU before EQ, or so has been my experience so far. It won't hurt you to dispute it and ask them to remove it stating that its old and should no longer be considered relevant and see how it goes. It might have simply been overlooked and you asking them to remove it might just accomplish it without too much effort.

[Anonymous]

I did not take any offense to your comparison and it was a very good comparison for me to understand - so it really was fine.  I think I am going to contact Equifax and see maybe they will remove it instead of trying to get the court to remove it.  I thank you for your time and for your knowledge.  Take care and again thanks a lot.

[Anonymous]

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@Anonymous wrote:
I did not take any offense to your comparison and it was a very good comparison for me to understand - so it really was fine.  I think I am going to contact Equifax and see maybe they will remove it instead of trying to get the court to remove it.  I thank you for your time and for your knowledge.  Take care and again thanks a lot.

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Good to hear that and yes I think you would have better luck with EQ directly than to deal with court. In this case, I would say probably better luck with the CRA instead of the OC (court). Let us, or at least me know how this goes and I will keep my fingers crossed for you. Good luck.