     Morty (Morty) | Wednesday, August 30, 2000 - 12:11 pm 
I have seen a number of posts recommending disputing bk's in order to have them removed from your credit reports.
1) Is there any danger that the '10 year clock' gets restarted if the clerk confirms the bk, or is the 10 years STRICTLY from the time of the bk and not from its reported date?
2) Any advice for how to title the dispute: Innacurate info or claim it is not mine etc. |
| Michael Bardelli (Bull22) | Wednesday, August 30, 2000 - 04:07 pm
There is no danger in resetting the 10 year clock as this is the date of discharge and nothing can change that date. You could try to dispute it. It may very well be possible that when you do dispute it, someone may be looking at your file and it won't be in the records room and low and behold, they can't verify and off it comes. That is a LONGSHOT but who says we can't dream right. If your lawyer is smart, he/she could check out the case file to "review" it and while he/she holds on to it for a while, then send in your dispute letter and hope for the best. Best of luck.
Mike |
| Zachary1 (Drcredit) | Wednesday, August 30, 2000 - 05:08 pm
Excuse me for being a stupid Canadian, but wouldn't this only work if the BK was a stand alone item? That is to say, what about all the accounts designated 'included in bankruptcy'? Would they have to come off, too? Or, would the designations be simply be removed so they become garden-variety nine ratings? |
| Amy Duncan (Amydd) | Wednesday, August 30, 2000 - 05:42 pm
I would think this would only work at the 7 year mark, when the accounts reading "included in bankruptcy" would fall off. From there you would have 3 years to go with the bankruptcy on your file but hopefully all of your accounts would be clean. I'm curious as well how you would word it and what possible excuse you could use for disputing it. |
| Christine Baker (Admin) | Saturday, September 16, 2000 - 04:39 pm
While the account rating is lowering scores, the removal of the *public record* bankruptcy would greatly INFLUENCE the Credit Scores.
However, the Scores would NOT necessarily increase. |
