I filed for bankruptcy over 12 years ago and when I order reports it no longer shows, but when I apply for credit, I'm denied. How do they know?

Creditors still list the bankruptcy as a reason for denial. How can they see it on my credit report, when I can't? I've also used cash for everything for the last 12 years and my lack of credit is hurting me too. What's the fastest way to build good credit?

Comments

bahellman: where are you ordering reports? Which sites, which credit institutions?

Social Web

November 27, 2007

Posted by Taxman

0 stars ( 0 ratings )

Bankruptcy filings will in most cases only stay on your credit reports for 7-10 years. I would bet that you are missing a credit report from one of the three main credit bureaus: Experian (formerly TRW), http://experian.com; Equifax, http://equifax.com; Trans Union, http://tuc.com.

You'll want to obtain a credit report from each of the credit bureaus above and find where the bankruptcy is listed. You'll then want to dispute the bankruptcy which isn't a difficult process, but more of a hassle.

You have to be a member to do that!

New users:

Learn more

I filed for bankruptcy over 12 years ago and when I order reports it no longer shows, but when I apply for credit, I'm denied. How do they know?

You have to be a member to do that!

Existing users:

New users: