I filed bankruptcy in October 2000 and had it discharched in march of 2001. Receintly I got notified thru equifax that each line item that was under bankruptcy was not listed as "included in bankrupty", and showed delinquincy and high balances, etc. I called each creditor and asked why they changed this and they had not idea what I was talking about. This info was old to them and they did not initiate these changes. I asked for an investgation thru equifax and they instisted right away it was correct. My credit score has just plummeted after working so hard after 6 years to work it back up. How can this be just changed, even with proof of a bankruptcy right there on my credit report?
Answer:
Would you like a quick answer?
Do you have a copy of any old credit report that shows these listings as "included in bankruptcy"?
Send them a copy, along with a copy of your new credit report. Include statements from your creditors that say they didn't do it.
Now enclose a copy of a filled-out small claims lawsuit for $1000, and tell them it will be filed in 14 days unless you are given a very good explanation of who and why your report got changed.
If no answer in 30 says, go ahead and file it. You will get a very easy $1000 for your troubles. Contact me for help if you need it.
Remember.certified letters are extremely important when dealing with creditors!
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