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I don't see my 1 year old Bankruptcy in my public record when I pulled my report from annualcreditreport.com for equifax? What's strange though is my credit cards that were discharged are all there with no amounts and no notations either just a 30,60,90 day late payments right before I filed.
I have only one account on equifax showing as a charge off that needs to be corrected, should I bother disputing this account to remove the charge off?
Are there any credit cards that I can apply to that use equifax only that I can use to rebuild my credit?
Thanks
Welcome @jpd36282 Do you happen to have a Credit karma account to make sure there is nothing listed under public records? Click the derog accounts.
Credit karma doesn't show it either but I thought that was only vantage score info. I'm looking at the credit report directly from equifax.... hmmm
To confirm, EQ shows no indication of a BK? What does EX and TU show?
Generally, if you are REALLY lucky, the IIBs report accordingly with no public record. That in itself is extremely rare though. I have geard of a few instances of it happening. However, to have no public record OR accounts showing IIB is basically unheard of. Very odd.
What are your current FICO scores? If the BK is truly not there, you should see a significant difference even with the 30/60/90 lates.
@jpd36282 wrote:Credit karma doesn't show it either but I thought that was only vantage score info. I'm looking at the credit report directly from equifax.... hmmm
CK is good for looking at reports and alerts. Asked for a second look to make sure it wasnt there either. This is rare like @Tuscani said. Seen it before. BK's are reported to the CRA's from a third party and maybe it didnt go on your report. But dont think because applying for credit only on EQ will be a 100% approval. Many creditors check Lexis Nexus and I'm sure its there.
The other reports are showing the bankruptcy under public records section, credit karma also doesn't show it on my public records/derogratories section for Equifax. Hmm not sure what to do about it. It doesn't seem to be affecting the credit score any different as it's the middle score of the 3 right now.
Same here. Equifax doesn't report my BK but the other CRA do. It disappeared after my BK DC in 11/19. I confirmed by pulling a new report and no public record.