How can I make them update my credit report, they were included in the bankruptcy?

I have an account with wells fargo financial bank from a retail store. Recently, I pulled up my credit report to make sure all my accounts were showing included in BK. However, Wells fargo is still showing the account in collections. I have talked to numerous idiots who don%26#039;t know what they are doing and say they cant do anything because the account can not be included in BK. It was a charge card for a retail store!! I have contacted the reporting agencies to dispute and they contacted me back saying account is accurate. What can I do to have this updated??

How can I make them update my credit report, they were included in the bankruptcy?

If it was included in your Bankruptcy declaration and it was not disallowed, then it should be noted as such on your credit reports.

First, verify that it was included in your Bankruptcy and it was not Disallowed. Then send the credit agencies a copy of the Bankruptcy documents showing this and a letter stating why you are disputing it. Generally if you do this they won%26#039;t even check with the other company they will just clear it as they have the proof it was in the BK.

However, if they still refuse to clear it, you can add a consumer statement in the short term. In the long term you would probably have to consult an attorney because by law they can not come after you for a discharged debt.

If by some chance you forgot to include it in your BK there may be a way to still include it if it was obtained before you filed, but you should contact your Bankruptcy Attorney to see if it can be done. If this debt was disallowed then you still owe the money.

How can I make them update my credit report, they were included in the bankruptcy?

Missy,

I have went through Bankruptcy also. I had a similar problem with Sears. They finally came across when the Lawyer set up a meeting with all the parties concerned. If they don%26#039;t come to that meeting, the charges will be dismissed. Your lawyer will contact everyone you have listed on your Bankruptcy. You %26quot;should%26quot; have a lawyer because you do not have the knowledge nor the persuasion for the parties.

Another thing that might happen is the lawyer will ask you all your Bankruptcy agencies. You will give him the list of agencies you wish to include on your bankruptcy. You give him the amount and he will include it. Then he will write a letter to all notifying them of the Bankruptcy. If it is a bankruptcy 7, almost all will be cleaned up. If it is a 13, you will owe the lawyer(in both cases) and the court. A 13 is if you have given away any money within the last year. (The court looks as if this was in preparation for the bankruptcy).

Bottom line, get a lawyer and he will confirm this. Note, this will be on your credit report for 7 years. Mine was 10 because I didn%26#039;t watch the credit report. When I saw what was going on, I wrote a letter to the credit agencies (Trans Union, Equifax and Emperian) and gave them the facts. All three deleted the bankruptcy.

Good luck, it is stressing at best.

How can I make them update my credit report, they were included in the bankruptcy?

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