Eguifax and TU agreed to delete the included in bk designation on cosigned loans

[bigun]

What is the name of your state?
www.ajc.com has the details. Click on business and the link will be on the right. Experian settled about 10 days ago.

 

[MidnightSwinga]

Thanks for posting that. Looks like Experian just needs to sign on now

 

[bigun]

Actually, Experian folded first. They signed off on the deal on 1/18.

 

[krystacsb]

to bigun

bigun, you responded to my other question under where i discussed that my sons social secuirty got on 2 of my credit card accounts in mmy name. then some one else responded and was not real nice, which now has me upset, can you go over this in a plain common persons language,

1. can my son get the charge offs on his account off since they are mine not his
2. am i in trouble because i didnt know they werent under right social? i had no idea or i wouldnt have filed them in our bankrupty should i contact the orginal creditor? let them know its not right? do they keep records after a bankrupcy is charged off?
3. how does my son dispute them off his record, how can i get them on mine?
4. is there any free place to get a report of my credit.?
your very nice and i appreate your help

 

[bigun]

I'd suggest you speak to your lawyer with this problem. It may be as simple as amending the filing.
It'll be easy to get rid of the bk on your sons report in a few months. But, those charge offs will likely be tougher. I wouldn't fool with those until your lawyer explains all the options.

 

[krystacsb]

I'd suggest you speak to your lawyer with this problem. It may be as simple as amending the filing.
It'll be easy to get rid of the bk on your sons report in a few months. But, those charge offs will likely be tougher. I wouldn't fool with those until your lawyer explains all the options.
bijon, that is what you said few short quesitons

what do you mean by bk? the charge offs are what is on his credit report im bit lost

 

[bigun]

I'm sorry, I'm confused. I thought you meant your bk had shown up on his reports. I really wish that were the case because that would likely be easy to get rid off given the changes in the reporting industry.
The charge offs could be tricky. He'll have to dispute with the CRA's as not mine and hope the orginal creditor doesn't verify. I would suggest you speak to your lawyer about amending {or reopening your bk} if that is possible and getting it handled that way.

 

[krystacsb]

bigun, im sorry for the confusion.......the charge offs are on his credit report, because the social security number is on my bankrupcy see credit card says my name but my husband wrote the wrong number on the aplication.

there may also be bankrupcy informaton but the charge offs are what we need advice about.

how can you reopen a bankrupcy after discharge

this wasnt done as fraud it was a mistake we would have never known it if it wouldnt have showed up on my sons report. we had no idea.....
question... once a bankrupcy is dischagred that means its gone right? with the orginal creditors? do they keep your information?

also are there credit repair places that can wipe off those discharges if you pay em? i seen some sites advertised on the net just cking... his main thing is in july he wants to buy a house and dont want any bad things on his report....... also his report right now says he has fair credit that is with those 2 charge offs so that isnt that bad is it? thanks your such a help