Reduced my discharge date by three years!

[LadyInTheRed]

My first point is probably the most apt...for credit scoring and for most things credit related, the discharge date is not relevant, the filing date is relevant.

True.

[BankruptinNJ]

I'd rather keep a bad credit score than lie about something to get it lowered. I simply would not feel comfortable with that. I felt guilty enough declaring bankruptcy.

[HHM]

My first point is probably the most apt...for credit scoring and for most things credit related, the discharge date is not relevant, the filing date is relevant.

[Logan]

I haven't been on this forum for a while and I actually can't believe there is some guy posting about forging documents to change his credit report. There are rules and laws to abide by and if you can figure out how to improve your credit while following those rule and laws then you're welcome to share but please keep illegal activities to yourself.
Logan (I'm the guy who has no need to lie, cheat, or forge to get a good credit score)

[Logan]

A college professor of mine hit a nerve with me and planted a lifetime-seed of not accepting status-quo… Ergo the effort outlined in the thread. I feel like David to Goliath in my accomplishment.

My gut is telling me that the responses here are by folks with the financial motivation keep the status-quo. This is not me.

Most people here are not willing to commit a crime. That is not you.

Logan

[159515951]

A college professor of mine hit a nerve with me and planted a lifetime-seed of not accepting status-quo… Ergo the effort outlined in the thread. I feel like David to Goliath in my accomplishment.

See, the reason for negative responses on this thread is that many people would not view this action as an "accomplishment". And the best possible outcome of your action is that you get earlier access to borrowed money...something I'm working hard to avoid ever needing again.

[HHM]

That is what all terrorists say (if we are being honest).

If you are not a rebel at 20, you have no heart, if you are not establishment by 30, you have no brain.

What you are failing to see is that you have BEEN sucked into the status quo...this concern of yours for your credit score is myth created by the credit industry, to have you define your self by a number, to purchase products (credit monitoring, etc), get credit for the sake of getting a higher score. If you really wanted to fight that status quo, you wouldn't given a rats ass about your credit.

To take your analogy...you are not David...you are one of the Philistine soldiers lined up behind Goliath cheering him on.

Don't get offended by the hyperbole, it is how we have fun on the forum

[Doggedness]

David to Goliath

A college professor of mine hit a nerve with me and planted a lifetime-seed of not accepting status-quo… Ergo the effort outlined in the thread. I feel like David to Goliath in my accomplishment.

My gut is telling me that the responses here are by folks with the financial motivation keep the status-quo. This is not me.

[df04527]

Wow....if you think you are the only one that has been taken down by no fault of your own i would also like to find out the color of the sky in your world.

[ValleYum]

Cry me a river...

The credit industry really doesn't care and playing a victim is not the most noble of traits.

I think I love you for saying this...

[HHM]

Cry me a river...

The credit industry really doesn't care and playing a victim is not the most noble of traits.

The issue is, why are you focused so much on a pointless credit score...drop it already.

[Doggedness]

In re-reading some of postings... It occurs to me that there are situations, such as mine, that may need addressed in the courts and with credit reporting agencies. I worked for 32 years with a fortune 100 company... Then one day I woke up and found myself disabled by no fault of mine, but that of my employer.

24 months later… My company granted me disability. Unfortunately it was financially too late, as I had filed bankruptcy 6 months prior.

I was awarded two years of back pay and reimbursed many other expenses totaling $350k. At this point I became whole again.

I guess what I am stating is that, by no fault of mine, I became financially challenged. And as a result, my credit was affected.
If I could have made good on my discharged debts, and my credit could have been restored to the prior disability date… I would have. But that’s not the way it works.

Thoughts?

[HHM]

Talk about Credit Score Hysteria run amok.

Here is the interesting thing...credit reporting (e.g. how long a BK stays on your credit report) is based on the filed date, not the discharge date. 15 U.S.C 1681(a)(1) and FTC Official Commentary 605(a)(1), item 3.

Now granted, for other purposes, (mortgages etc), the discharge date may matter, but this seems like a terribly risky way to go for little benefit.

[LadyInTheRed]

I guaranty you that the courts care about people altering orders. What you did is fraud. It is against forum rules to advocate fraud or provide information to help people committ fraud. If somebody here suggested you alter a court order and submit it to a credit agency as a true copy of the court order, or submit any false information to a credit agency to dispute an item on a report, please show me where.

[ValleYum]

My B date didn't change. Just how the CB's report it. CB's are just another business, not a government agency. You don't have to fear them. The courts only care that the obligation is met. This idea isn't something I thought up on my own... I got the advice from reading the forums here. I’m really not looking to be judged… I just wanted to give-back to the folks from who I received the idea.

NO ONE here would give you that advice. I call BULL$4IT.