Trans Union ripoff ruined my credit scores by not taking me off the list after 9 years Chester Pennsylvania
I applied for a credit card to BANK ONE. PO Box 8734
Wilmington, DE 19899-8734 I was denied to receive the Bank One Credit Card because my report showed Bankruptcy. July 2003 we were going to get a home and I was told my credit is good. I would get a Mortgage Loan.
Today December 1, 2003 From Trans Union PO BOX 1000
Chester, PA 19022-1000 Phone (800) 888-4213
I get a letter with a denial letter to get the Credit Card because:
My Credit reflects a Bankruptcy that Bankruptcy should be clear since it was in 1994 and the Dept was discharged
I Live with my mother therefore she pays the taxes BANK ONE states that my credit report reflects an unpaid judgement or tax lien
I had delinquent payments. But I checked my score and it was in good standing. I did read just today that Trans Union does not report and clear up credit standing. They leave it as bad report. They're not doing their job as my Bankruptcy should not come up from 9 years ago. TRANS UNION is a shady rippof Company that steals your identity. I would think this is a fraud and they should be out of Business!
Andrew
FRANKLIN PARK, New Jersey
U.S.A.
2 Updates & Rebuttals
Dave
Everett,Washington,
U.S.A.
Bankruptcy Terms
#3Consumer Suggestion
Tue, December 02, 2003
A Chapter 7 bankruptcy will remain on one's credit report for 10 years from the date of discharge.
A Chapter 13, however will remain only 7 years from the date of discharge.
Mike
Radford,Virginia,
U.S.A.
Bankruptcies stay on for 10 years.
#3Consumer Suggestion
Tue, December 02, 2003
If you really did file bankruptcy 9 years ago, Transunion is allowed to report it to Bank One. Other bad marks on your credit can only stay for 7 years but bankruptcy is the exception. Bankruptcy 9 years old is not going to give you terribly bad credit, but some lenders may decline you because of it.
Since you were denied credit, you have a right to get a free copy of your report from Transunion and see exactly what they have on it. Some people recommend disputing as "obsolete" items like the bankruptcy that are close to the deadline to come off. They may just remove them a few months early rather than go and verify the exact dates. None of the credit bureaus have a reputation for being easy to work with though.
It is possible for someone to improperly get a judgement against you without you knowing. But in that case you have grounds to get the judgement reversed. It's a good idea to get copies of all your credit reports periodically and make sure nothing unexpected is on them.