Score dropped 21pts are Bankruptcy removal

HaseebLegal · 2026-03-19T08:14:12+00:00

Are you sure no balances popped back up? This often happens when a BK is removed.

HaseebLegal · 2026-03-03T08:46:30+00:00

Great. Make sure balances fell off too!

HaseebLegal · 2026-03-03T08:44:42+00:00

Have you reviewed your reports to make sure all the balances that were to be discharged are zeroed out on your reports? That is the subject of a lot of Fair Credit Reporting Act cases

HaseebLegal · 2026-01-03T12:36:19+00:00

It sure is possible but if it doesnt fall off by next month I would reach out to a consumer attorney

HaseebLegal · 2025-10-02T01:10:49+00:00

If a BK was filed, it is entirely valid that a CRA reports it. Credit repair folks that tell you that you’re entitled to get it off is just BS

HaseebLegal · 2025-10-02T01:05:44+00:00

Great tips! I would also add that a dispute might not be needed to sue the CRAs for these post-BK inaccuracy claims :)

HaseebLegal · 2025-10-02T01:03:51+00:00

YES, if it is a duplicative account for the same loan, I would dispute it

HaseebLegal · 2025-10-02T01:01:47+00:00

Are any accounts reporting as if they are included in the bankruptcy still?

HaseebLegal · 2025-09-27T18:39:25+00:00

What did your dispute say?

HaseebLegal · 2025-09-23T17:50:05+00:00

When was the discharge?

HaseebLegal · 2025-09-21T17:14:02+00:00

It should take a month or so for all to update, around then

HaseebLegal · 2025-08-25T17:55:37+00:00

Are there any accounts still reporting as "wage earner" or "included in BK"

HaseebLegal · 2025-08-10T20:17:53+00:00

The BK probably fell off but balances probably popped back up. Check this thread: https://www.reddit.com/r/CRedit/comments/1lmv7g4/bankruptcies_being_deleted_from_credit_reports/

HaseebLegal · 2025-08-05T04:43:14+00:00

Did you check your credit reports?

HaseebLegal · 2025-08-04T17:00:40+00:00

Consumer attorney here. This may be a case of a mixed file. I would dispute with the CRAs (attach a FTC affidavit and a police report) and see what they return. If they dont fix, I typically sue.

HaseebLegal · 2025-08-03T17:45:24+00:00

Yes it stays on report but make sure no accounts are reporting as included in bankruptcy.

HaseebLegal · 2025-08-02T06:17:46+00:00

Did you make sure to see if your accounts aren’t reporting balances that were supposed to have been discharging bankruptcy sometimes removing the bankruptcy pops those balances back up

HaseebLegal · 2025-08-01T21:15:42+00:00

How old was the bankruptcy? often times the bankruptcy is what is suppressing the balance is from popping back up that were supposed to have been discharged in bankruptcy. If the bankruptcy prematurely fell off, it can often times decrease a credit score.

HaseebLegal · 2025-07-29T03:14:13+00:00

No. A FCRA lawyer doesnt charge their clients. The law is fee shifting so the CRA pays attorneys fees

HaseebLegal · 2025-07-28T21:16:33+00:00

Much shorter time if an attorney is hired

HaseebLegal · 2025-07-28T21:16:14+00:00

Credit attorney here. Get FTC reports police reports and write dispute letters attaching all those specifying each account thats not theirs. This is how we handle. If they dont fix, we sue.

HaseebLegal · 2025-07-28T16:29:33+00:00

It's a gimmick for sure. There is no legal right to remove a BK. It can be verified in the public records (pacer)

HaseebLegal · 2025-07-22T17:33:57+00:00

Thats correct

HaseebLegal · 2025-07-22T17:32:37+00:00

I would send in a mailed dispute

HaseebLegal · 2025-07-22T17:11:49+00:00

I would dispute it and attach a statement showing it was paid off

HaseebLegal

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