My husband lost his job in Oct 06, we filed BK in December 06 to stop the foreclosure on our house and to by time to try and sell the home. The home never sold and the loan went into forclosure. Because of that, the BK was never finalized or discharged. Can we dispute this to get this off our credit report and will this help improve our credit score? A year later, we are trying to apply for credit and our denial reasons we are seeing is because of the BK.
We had a student loan which was part of the BK (My mom was listed as a co-signer but was listed first on the loan application) that company has since come back and said that because we filed for BK that she is no longer responsibile for the account and now it's just under my husband's name.....Does this make sense to anyone else? Should this account be removed all together?
Any advise or help would be greatly welcomed!