Dismissed Chapter 13 on a Credit Report
I LIVE IN AZ NOW BUT IN 2000 I FILED FOR CHAPTER 13 IN TEXAS. WITHIN A COUPLE OF MONTHS, "BEFORE ANYTHING WAS DONE" I CANCELLED THE BANKRUPTCY AND RECEIVED THE MONEY I HAD PAID THE COURT CLERK. I HAVE A COPY OF THE CANCELLED BANKRUPTCY FROM MY ATTORNEY. I HAD SOMEONE CHECK MY CREDIT REPORT THIS YEAR TO SEE ABOUT CLEANING IT UP AND SHE FOUND THAT THE "DISMISSED" CHAPTER 13 IS ON MY CREDIT REPORT. I AM ATTEMPTING TO PURCHASE A HOME BEFORE I RETIRE AND WAS TOLD EVEN THOUGH I DID NOT GO THROUGH WITH THE BANKRUPTCY IT WILL BE ON MY CREDIT REPORT AND WORK AGAINST ME FOR 10 YEARS. WHY SHOULD I BE PENALIZED WHEN "I" CANCELLED THE BANKRUPTCY MYSELF. I DID NOT WANT IT TO GO AGAINST MY CREDIT AND NOW I FIND THAT IT DID ANYWAY AND I HAVE NOTHING TO SHOW FOR MY EFFORTS? IS THERE SOMEONE I CAN CONTACT TO GET THIS OFF OF MY REPORT?:wallbang:
Re: Cancelled/dismissed Chapter 13
You describe your credit report as accurately reflecting your filing a Chapter 13 bankruptcy, and accurately reporting that it was dismissed. Unfortunately, credit reports may present accurate information about bankruptcy filings.
Re: Dismissed Chapter 13 on a Credit Report
Thanks for replying. It does not seem fair that I did not use the bankruptcy and cancelled it but find that I am penalized on a technicality :confused: for the same amount of years as one that was actually done.