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Seven years after Chapter 7

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Anonymous
Not applicable

Re: Seven years after Chapter 7

I filed in 12/99 and my CRAs report this will be coming off  11/09.  That's the fact JackSmiley Happy 
Message 11 of 16
Anonymous
Not applicable

Re: Seven years after Chapter 7

If you have any items that are more than 7 years from date of first delinquency, dispute them. They should be removed, regardless of whether they were included in BK.
Message 12 of 16
Anonymous
Not applicable

Re: Seven years after Chapter 7

I did a Ch7 discharge in 1999. Sometime in 2002, I hired Bradley Ross Law to do credit repair. On March 10, 2004 Equifax deleted my bankruptcy from my credit file. BRL continued to contact Trans Union and Experion for another year in an attempt to achieve the same result there, with no luck. I have no idea why it worked with one agency and not the other two.
Message 13 of 16
superdesi
Contributor

Re: Seven years after Chapter 7

So you were able to get your Ch. 7 deleted after getting a law firm to do a credit repair?  
_____________________________________
TU: 705 [10/20/10]
EX: ???
EQ: 705 [10/18/10]
CK: 700 [11/03/10]
Message 14 of 16
Anonymous
Not applicable

Re: Seven years after Chapter 7

As far as I know, this lawyer mainly does credit repair. I found them through a Credit After Bankruptcy seminar put on by a guy named Stephen Snyder. The last number I have for Bradley Ross Law was as of 2/24/2005 and its 701-355-0123. They are in South Dakota. They just did the standard barrage of letters and timed responses that anyone could do for themselves. I wanted to pay someone who had the system down. At that time the monthly fee was around $50. They got everything removed from all my credit reports except for the BK on the two I mentioned earlier. My FICOs are now in the mid 700s and the BKs are still on there until 10/2009.
Message 15 of 16
superdesi
Contributor

Re: Seven years after Chapter 7

Great.  Thanks for the info.
_____________________________________
TU: 705 [10/20/10]
EX: ???
EQ: 705 [10/18/10]
CK: 700 [11/03/10]
Message 16 of 16
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