Get Them Off My Credit Report!!

[nyk0l3]

I claimed chapter seven a few months back, had it discharged, but they are all still on my credit reports!! I understand I need to write a letter to each company? What exactly do I say to them?? Also, my stupid paralegal that did the bankruptcy and then got fired or quit or something, didnt put 4-5 collections debts on the bankruptcy, and it has already been discharged for a few months. How can I get those debts to be included in the bankruptcy now? Thank you so much for any advice given, because I am just completley lost when it comes to this stuff.

[HHM]

I am not sure what you are asking, but I hope this clears up your question.

First off, your credit report is your credit HISTORY. As a result, the fact that you had xyz credit card will always be ON your credit report. What changes relative to any specific account is the notations and payment history.

So for example, lets assume you have a Bank One Credit Card and always made your payments on time, but you file bankrutpcy.
The fact that you had the Bank One Credit Card will alwasy appear ON your credit report (the account doesn't just disappear). The notation related to that account will change from "Paid as Agreed" (because you were never late on payments before filing BK) to "Included in Bankuptcy" because you filed Bankruptcy.

If the above doesn't answer your question, please clarify.

[nyk0l3]

I had a lot of various colletions that I accumulated, and had never paid on. I claimed bankruptcy, and some of those collections were included. The bankruptcy was discharged in Feb. of this year. I went to equifax last week, to check my new history, and only one of the collections/debts were marked as "included in bankruptcy", and the rest were all still saying I owed. My question is.. how do I get ALL of the past collections/debts that I claimed under my bankruptcy to say that I dont owe them anymore?
My next question is that the paralegal that put all the paper work together and sent it to the trustee and everything.. didnt include ALL the debts I had. How can I get those debts to be filed under my bankruptcy also, or is it to late?