Reduced my discharge date by three years!

[Doggedness]

Just wanted to give-back to the folks from who I received the idea

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.

[ValleYum]

More like I supplied inaccurate information. We have all experienced bad credit data, and I proved how easy the information can get corrupted. It was an interesting exercise in just how imprudent the credit bureau's are.

So you FORGED a different date on a US Bankruptcy Court document and are posting about it here?!?! Cojones, you have them.

[Floridagail]

I would not advertise the fact that fraud was committed.

[Doggedness]

More like I supplied inaccurate information. We have all experienced bad credit data, and I proved how easy the information can get corrupted. It was an interesting exercise in just how imprudent the credit bureau's are.

[ValleYum]

After adjusting the discharge date of my bankruptcy paperwork, I faxed the requests to Trans-Union and Experian. Bing-bang-boom… Date changed!

I don't get it... are you saying you forged a different date on your discharge paperwork in order to have it removed from your credit reports??

If this is so, wow, just... wow.

[Doggedness]

Reduced my discharge date by three years!

I had read a post in this forum, before I registered, that credit bureaus would-not/could-not verify bankruptcy discharge dates. I decided to take on the challenge.

After adjusting the discharge date of my bankruptcy paperwork, I faxed the requests to Trans-Union and Experian. Bing-bang-boom… Date changed!

Equifax took a bit more effort. Multiple requests to change the date only yielded the same response of “The information has been verified”. Also in the responses was a statement that I had a right to the “process” used to verify the information. In addition I requested the “document” used to verify the information. To each request the same evasive response “The information has been verified”.

Up to this point, I had submitted all my Equifax disputes via fax. I then decided to phone them, and asked for a supervisor. At first the supervisor was defensive. I was persistent and repeatedly referenced my right to the “process” used to verify information.

Finally, she reported no “document” existed and information was received via an electronic feed. I stated my opinion that electronic feeds can be wrong and exampled a personal experience I had where my two medical insurance companies were electronically feeding each other they were the primary carrier. As a result, no bills got paid.

Then the supervisor acknowledged that electronic information can be wrong. So I asked, what is your secondary way of verifying bankruptcy discharge information? The answer was that there is no secondary way of verification. I felt her defensive attitude weakening. I stated it would seem we are at an impasse, and asked what is the next step? Her response was I need to get the information to them. STUMBLE. I said I had… Silence… And she reported in fact I had submitted the information. Date changed!

My bankruptcy discharge date reduced from six years to three years!

My message: BE PERSISTENT!

Mostly, thanks for the advice!