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Legal Rights on CRA and Incorrect information on credit report

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Junior Member
What is the name of your state? Texas

I filed Chapter 7 on 04/2000, I was discharged on 7/2001. I understood the whole process. I knew who I was seeking legal protection from, and why. It has been a horible experiance for me and my family. I have been trying to get a decent job for the past 4 years and have had such bad luck. Recently I applied to refinace my home and was denied. I decided to look up my credit report and low and behold there where judgments againts me that where part of my banckruptcy along with other accounts and then some. In dealing with the CRA's, they point the finger at the creditors, and the creditors point the finger at the local court house and CRA's. This whole time I know I have lost alot of opportunities employment as well as financial. In addition my own banckruptcy attorney has given me the impresion that it's like spiting into the wind. Can someone please help.


You likely started your "credit clean-up " too late. Your bk attorney is wrong (or lazy) because it's not like "spitting in the wind"; there are things you can do if you're prepared to get organized and approach credit clean-up systematically. For many of us who have declared bk it takes between six months to a least several years to have your credit reports correct and "clean" (free of errors) and that's only because we started between immediately and six months after discharge.

Go to www.creditboards.com for self help. Start reading the "Newbies" forum. I advise ordering all three credit reports either by phone or online at each CRA website or from www.myfico.com (particularly if you want scores) if you have not done so yet. "Creditboards" has "myfico" discount codes. Get familiar with the Fair Credit Reporting Act and the Fair Debt Collections Practices Act (if you have accounts that have gone to collections.) Both are found on www.ftc.gov.

You may have some actionable violations but only if you learn the proper sequence for your disputes.

Good luck!
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