How to Get Bankrupcy Off Credit Report
Author: Pat
Posted: Mon Jul 05, 2004 6:02 pm
Post subject: How to Get Bankrupcy Off Credit Report
4/4/2002 9:09 pm CDT
My roommate filled in my name in the space for "additonal credit card request" on a credit card application (My credit was not considered for this card). He subsequently filed for bankruptcy. I was not listed on the bankruptcy except for this one credit card. The bankruptcy is now showing up on my credit report under this credit card. Is there anything I can do to get it removed? Thanks, Pat
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Author: mouse
Posted: Mon Jul 05, 2004 6:03 pm
Post subject: How to Get Bankrupcy Off Credit Report
4/4/2002 11:07 pm CDT
If you are listed as "AU" authorized user, you can make it disappear...if it says "JOINT", it's going to be harder.
Author: Pat
Posted: Mon Jul 05, 2004 6:04 pm
Post subject: How to Get Bankrupcy Off Credit Report
4/5/2002 10:37 am CDT
It says "joint". The report says "Status; included in bankruptcy/never late". It should come off my report in 2 years. Is it worth the trouble to try to get it taken off now, given I'm trying to get a new lower interest rate card so I can transfer balances on my other cards? Thanks, Pat
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Ira Stoller
Posted: Mon Jul 05, 2004 6:05 pm
Post subject: How to Get Bankrupcy Off Credit Report
4/5/2002 5:17 pm CDT
It's always worthwhile to have your credit report correct and in order. You never know what tomorrow might bring. Is your friend willing to state the truth, that you are an authorized user and the account is not held jointly by the two of you? Such a letter to the card issuer would go a long way towards correcting the error
Author: Misty
Posted: Mon Jul 05, 2004 6:06 pm
Post subject: How to Get Bankrupcy Off Credit Report
4/11/2002 11:39 pm CDT
Actually, a bankruptcy will stay on your report for 7-10 years. Since you are listed joint you must've been on the account as a coapplicant-which basically says you are just as responsible for the account as the applicant. You can try contacting the company to advise them the bk was individual & they may remove it but unfortunately it probably won't be-depends on the company I suppose. You can also try disputing w/the credit bureaus. If you were just an authorized user, then the issuer should be able to just remove it since you were never liable for the account to begin with. Good luck!!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Mon Jul 05, 2004 6:02 pm
Post subject: How to Get Bankrupcy Off Credit Report
4/4/2002 9:09 pm CDT
My roommate filled in my name in the space for "additonal credit card request" on a credit card application (My credit was not considered for this card). He subsequently filed for bankruptcy. I was not listed on the bankruptcy except for this one credit card. The bankruptcy is now showing up on my credit report under this credit card. Is there anything I can do to get it removed? Thanks, Pat
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Mon Jul 05, 2004 6:03 pm
Post subject: How to Get Bankrupcy Off Credit Report
4/4/2002 11:07 pm CDT
If you are listed as "AU" authorized user, you can make it disappear...if it says "JOINT", it's going to be harder.
Author: Pat
Posted: Mon Jul 05, 2004 6:04 pm
Post subject: How to Get Bankrupcy Off Credit Report
4/5/2002 10:37 am CDT
It says "joint". The report says "Status; included in bankruptcy/never late". It should come off my report in 2 years. Is it worth the trouble to try to get it taken off now, given I'm trying to get a new lower interest rate card so I can transfer balances on my other cards? Thanks, Pat
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Ira Stoller
Posted: Mon Jul 05, 2004 6:05 pm
Post subject: How to Get Bankrupcy Off Credit Report
4/5/2002 5:17 pm CDT
It's always worthwhile to have your credit report correct and in order. You never know what tomorrow might bring. Is your friend willing to state the truth, that you are an authorized user and the account is not held jointly by the two of you? Such a letter to the card issuer would go a long way towards correcting the error
Author: Misty
Posted: Mon Jul 05, 2004 6:06 pm
Post subject: How to Get Bankrupcy Off Credit Report
4/11/2002 11:39 pm CDT
Actually, a bankruptcy will stay on your report for 7-10 years. Since you are listed joint you must've been on the account as a coapplicant-which basically says you are just as responsible for the account as the applicant. You can try contacting the company to advise them the bk was individual & they may remove it but unfortunately it probably won't be-depends on the company I suppose. You can also try disputing w/the credit bureaus. If you were just an authorized user, then the issuer should be able to just remove it since you were never liable for the account to begin with. Good luck!!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 1:14 PM
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