Credit Reports No Charges
2010
Filed bancruptcy in 05′ now my credit report states charge offs, is that right?
The credit cards that we filed on have included in bancruptcy in the explanations, this points out that the balances were filed Ch. 7 on. However, 2 bank notes just state charge off. But they were included in the bancruptcy. Does it matter if it states included in bancruptcy (like the other accoutns) or if it says charge off? If it doesn’t matter, no biggy.
Yes it does matter. Get copies of bk. papers & send with disputes to the 3 credit bureaus asking them to mark the accounts included in chpt. 7. Otherwise a lender will think you had bankruptcy and charge offs.
The address to send for the 3 bureaus is:
Equifax
Information Services Center
Consurmer Disputes
P.O. Box 105873
Atlanta, GA. 30348-5873
Experian
Consumer Relations
701 Experian Pkwy.
Allen, TX 75013-2104
TransUnion
Consumer Relations
P.O. Box 2000
Chester, PA 19022
Make sure you list the account #, your name, address, social, & date of birth & reason for dispute.
Good luck!
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