Home > Ask The Get Out of Debt Experts > Credit Report / Credit Score

Credit Report / Credit Score

Why Are My Accounts in My Chapter 13 Bankruptcy Reported Delinquent?

Payment History Definition

Question: Dear Steve, I filed for bankruptcy in 2009 and it was discharged in 2014. My mortgage was included in this. My question is whether or not my mortgage company can report my mortgage as being late 30, 60 even 90 to 120 days late while in active bankruptcy in 2010, 2011 and 2012? Thanks. Donald Answer: Dear Donald, It ... Read More »

    Why Won’t the Debt Collector Agree to Remove the Debt From My Credit Report if I Pay?

    credit_report_errors

    Question: Dear Michael, I have a collections account with AFNI on my credit report. It is a valid debt that I owe the company they are collecting for. I keep trying to ask them if they would be willing to remove the collection off my credit report after I pay in full. The answer I get (sounds scripted) is that ... Read More »

      I Screwed Up My Credit Score. Is There Hope to Bring it Back?

      raise_credit_score

      Question: Dear Steve, Several accounts past due on my credit report due to some medical problems last year. Trying to raise my score by 30-50 points to obtain a home loan. I have approximately five accounts with minimal balances that for some strange reason, I stopped paying all together last year. Please do not judge as it was a tough ... Read More »

        How Can I Get My Old Bad Credit Removed?

        credit_report_errors

        Question: Dear Steve, Years ago I had a car accident and was out of work and got in trouble with all my creditors. My credit since I got healthy has been excellent but I am haunted by stuff that is 7-12 years old on my credit report My credit report is loaded with old debt 7+ years and many 10+ ... Read More »

          Experian Continues to Report Judgment Included in Bankruptcy

          eraser and word bad credit

          Question: Dear Steve, I filed Bankruptcy Chapter 13 in 2011 and completed in 2014. Since that time, I have tried to clean up my credit reports. With most of the issues I have had success. There is however one Reporting agency (Experian) That did nothing with my dispute about a Judgment that was included in the Bankruptcy. Most recently they ... Read More »

            Lesbians Languish in Loads of Liabilities

            mother_s_day_deals1

            Question: Dear Steve, After ending my domestic partnership I was single and on my own financially for just under three years. I have since re-married, but incurred approximately $30,000 in credit card debt, while I was the only income for my family of four. I have $13.5K debt on a card with 12% APR. I have $16K debt on a ... Read More »

              Paying Companies To Delete Negative Credit Report Information

              tug of war

              “Dear Michael, During my junior year of college my parents provided me with a credit card that they paid off in full each month, they never missed a payment and I never worried about the money. I took out a credit card on my own my senior year of college, which I could make the minimum monthly payments until I ... Read More »

                My Reaffirmed Mortgage Shows on My Credit Report as in Bankruptcy

                credit good

                “Dear Steve, My house was not included in my bankruptcy, but my mortgage lender is reporting it as “included in bankruptcy”. I filed bankruptcy (ch 7) in 2008. I signed a reaffirmation with my mortgage lender, but my credit reports remain messed up. 1 agency has no info of a mortgage, 1 shows my balance reducing monthly, but carries it ... Read More »

                  What is Your Opinion on Lending Yourself Money to Rebuild Credit?

                  credit good

                  “Dear Steve, Hi, I have a question about the finer points of manipulating your credit score. I’m a pretty financially savvy guy and I was doing great until the great recession hit right after I had financed an expansion to double the size of my small business. Although I fought hard, it was no longer a going concern and I ... Read More »

                    My Home Depot Project Loan Account is Hurting My Credit Score

                    caution

                    “Dear Steve, I buy and flip houses in Colorado and use the Home Depot Pro Loan on all my projects. They give a nice line of credit with a 7.99 percent interest and interest only payments for 6months. I usually pay it off before before that time period. I have done this 5 times and closed all 5 Loans. My ... Read More »

                      I Filed Bankruptcy. What Should My Credit Report Look Like?

                      credit good

                      “Dear Steve, I filed chapter 7 bankruptcy in October 2009 and the disposition date was March 2010. I am currently reviewing my credit report, as a means of disputing any inaccuracies found on the report. Issue 1: On credit report A under public record it states that I have a $0 claim amount and a $0 liability amount. On report ... Read More »

                        TransUnion Won’t Report My Accounts Correctly That Were in My Bankruptcy

                        credit good

                        “Dear Steve, I filed bankruptcy and my creditors are still reporting delinquent debts. Chapter 7 bk filed on 9/18/2010. Trans Union are reporting all of these account w/ delinquency after my filing. Its very frustrating I have disputing this for over 5 years! I have never been w/ any of my accounts before my filing date. Trans Union even put ... Read More »

                          How Do I Deal With This Old Debt from the Collection Agency? – Tai

                          credit good narrow

                          “Dear Steve, A collection agency is reporting that I opened a credit card in 2011. I was actually totally unable to get credit by 2011 because in graduate school I became unemployed and had some serious financial problems. I think this is a debt from 2004. Is there anything I can do about this? Thanks in advance. I am trying ... Read More »

                            I Filed Bankruptcy and Creditors Are Still Reporting Delinquent Debts. – Nancy

                            beautiful girl on stool with laptop

                            “Dear Steve, I have a question with regards to bankruptcy and negative reporting by creditors. I filed for bankruptcy on 4/1/13 and the Bankruptcy Automatic Stay kept creditors from collection efforts. The bankruptcy was discharged on 7/31/13 which then reverted the automatic stay to a permanent discharge. From what I understand, creditors cannot collect on the discharged debts, as well ... Read More »

                              Can I Get a Mortgage After a Chapter 13 Bankruptcy? – Kellie

                              Real Estate Concept

                              “Dear Steve, I recently discharged my ch 13. I am interested in understanding how long I should wait to consider a new home purchase. My fiancé has excellent credit but I contribute the bulk of the income. I am hoping that the 2 years you eluded to can be minimized with his credit history. Thoughts? Kellie” Dear Kellie, The reality ... Read More »

                                Get My FREE Get Out of Debt Guy Newsletter

                                I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.You can unsubscribe at any time with just one click.After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

                                I promise to keep your email safe and secure.