Free Credit Report !!!

How do you have collection actions removed from your credit Report?

they were all place in bankruptcy prior to the collection maybe the creditor did not receive notice????not sure but I cant seem to work them out of the report

The Answer :

Just because a debt is listed on your bankruptcy does not mean you are confirming you owe the debt. You are listing them as a creditor in order to include them on your bankruptcy. The debt can still be disputed. I am currently involved in helping someone with an identical issue, and it's probably going to end up in court.

To answer this question, just because the debt was not included on your report prior to bankruptcy does not prevent them from reporting it. The automatic "stay" placed by the court prevents them from attempting to collect the debt from you, but does not include reporting. However, they are requried to list this as "included in bankruptcy" and it must show a zero balance. Anything else is a violation.


This report will remain on your report for 7 years, but be sure they are reporting the delinquency date correct. It begins on the date of the delinquency. Many times they will report the filing date for your bankruptcy. By making them report the correct date, it can come off your reports much sooner.