Remove a Bankrupcty

jpd36282 · ‎03-17-2021

My spouse filed for Bankruptcy in california by only themselves, some cards I had at the time had to be included on the petition as community debt and I received a "phantom discharge". I am now trying to get a home loan and some of the accounts are reporting as if I have a personal bankruptcy on record, they should just have a notation of "included in bankruptcy" as far as I know. What can I do to get these accounts to remove bankruptcy status as my name/social security number has never been included on a bankruptcy filing, they should only be reporting bankruptcy comments, not a bankruptcy designation/status if that makes sense.

DebtStinks · ‎03-17-2021

Did you continue to pay the cards? Keep the account(s) open? Do any of the cards have balances?

I'm not a BK pro, but this sounds a bit "different" or I'm missing some details.

NFCU More Rewards AMEX $25000 (Opened 1/19) - NFCU Platinum $21000 (Opened 1/21) - TTCU Platinum Visa $10000 (Opened 10/18) - Discover $5500 (Opened 11/21) - Barclays View MC $5000 (Opened 1/19) - Capital One Platinum $3500 (Opened 2/19) - Capital One World Elite MC $1000 (Opened 3/21) - Target Store Card $2000 (Opened 10/18) - Floor & Decor Store Card $42500 (Opened 10/18)
Closed - PenFed $35,000 - Cap1 World Elite MC $11,200
Total CL - $115500

CH7 BK Filed 8/1/17 Discharged 11/7/17

Scores as of 2/18/21:

Inquiries Last 12 Months:

DoogieBall · ‎03-19-2021

Did you get copies of your updated CRs and see which ones it's showing on? After that, I would go to the CR websites and file disputes. There are reason listings when you file a dispute such as "Incorrect information" or "account too old," and similar. For your case, it might be better to call directly and ask for a supervisor.

I'm only going by what I did when I was asking for early exclusion of my BK7. Did everything online but your case is different so talking to a person may be a better way to go.

R.I.P Cards

MyDataMyChoice · ‎03-21-2021

Depends on the accounts

1) Were you a JOINT Cardholder

If you were a JOINT Cardholder - the Original Creditor (OC) can always go after your directly. Depending on State Laws/Statute of limitations etc (Depending on Marriage Laws too)

or

2) Were you an Authorized User

-If just an AU - dispute the account as not yours it will be deleted completly

If you yourself did NOT file for a BK - dispute it. Also get a copy of your Lexis Nexis Risk Full File Disclosure

All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

Lines of Credit:
Personal Loan:

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450