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Equifax not reporting a year old bankruptcy?

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Established Member

Equifax not reporting a year old bankruptcy?

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

Message 1 of 8
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Super Contributor

Re: Equifax not reporting a year old bankruptcy?

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.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 8
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Established Member

Re: Equifax not reporting a year old bankruptcy?

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

Message 3 of 8
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Moderator Emeritus

Re: Equifax not reporting a year old bankruptcy?

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. 

Message 4 of 8
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Super Contributor

Re: Equifax not reporting a year old bankruptcy?


@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.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 5 of 8
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Established Member

Re: Equifax not reporting a year old bankruptcy?

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.

Message 6 of 8
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Established Member

Re: Equifax not reporting a year old bankruptcy?

Hey same here. I will be two years post dc in March and my bk never reflected on my EQ cr. I’ve had a great deal of luck with PenFed because it’s the only cr they pull.
BK Filed: Nov 2, 2017
DC: Mar 1, 2018
Scores Nov 17, 2018: EQ: 640 TU: 631 EX: 626
Message 7 of 8
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Re: Equifax not reporting a year old bankruptcy?

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. 

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