early removal of 7 and 13 from the three credit bureaus

[justbroke]

Thank you just broke. yes i really need a re-finance on my home mortgage.

I don't believe that your strategy is going to work for you. Mortgage companies issuing mortgages from the GSEs (Government-Sponsored Entities) -- Fannie Mae, Freddie Mac -- or even portfolio lenders are going to want a tri-merge report issued by Factual Data, CREDCO, or one of the other mortgage tri-merge aggregators. They are also going to pull SageStream or LexisNexis... and/or something else.

Additionally, it could be mortgage fraud to not be forthcoming, on your Universal Residential Loan (Mortgage) Application form. On that form 1003, you must disclose a prior bankruptcy in the last 7 years, or a foreclosure in the last 7 years. There are also other mandatory disclosures. I sympathize with you because even though you may be able to get it off your credit report, you must still disclose it. As soon as the desktop underwriting system (DU, GUS, Loan Prospector, etc.) sees that box checked for a bankruptcy, the loan will go into a manual review, or go from approve/eligible to approve/caution (or some other finding that is specific to the loan program).

i have a chapter seven so the rules are i need to wait four years from dismissal. my date is Sept. 4, 2023 also trying to increase my credit file as i only have five debts
i do understand the freezing. i am in financial jail untill Sept. 4, 2023 appreciate the help!

Those are the rules unless you have extenuating circumstances or could look to a non-QM (non-qualified mortgage) or portfolio lender who do Day 1 "event" mortgages and refinances.

Personally, I would probably not go down the rabbit hole of trying to get the bankruptcy removed as there are many sources for that public data. Especially if you live in the same home where you lived when you filed bankruptcy. Let me tell you... these underwriters are impressive with their detective skills.

You may need to look to those non-QM mortgages and/or portfolio lenders. They typically have higher rates and higher LTV (loan-to-value) offerings. Most of those types of lenders also restrict any cash-out, so if you're looking for cash, that could be problematic as well.

[crabbman]

A public record is not disputable, and Bankruptcies of all types are just that, public records. The only time disputing a Chapter 7 or Chapter 13 reference on one's credit reports will bear any fruit is during each individual CRA's "Early Exclusion" window (often reported as 6-months for TU, 3-months for EX, and maybe five minutes for EQ); disputing before the EE period will typically yield no benefit, and can often flag an individual as a "serial disputer" which will inhibit your ability in the future when you need to file a genuine dispute.

Thank you Shipo. i do not understand the CRA early exclusion, the TU, 3-month for EX, and five minutes for EQ, and the EE period.
i do understand serial disputer.
wow sure is crazy to dispute and have time spent with credit bureaus. Scary stuff. i am david they are GOLIATH

[crabbman]

Technically, a credit bureau verifies from the Bankruptcy Noticing Center (BNC) which handles notifications. I don't know of any credit bureau that directly speaks with any (specific) bankruptcy court or jurisdiction.

Just blocking the bureaus just keeps creditors from knowing when there's a request, so if you really need a creditor to find out, you'll have to unlock or provide a PIN.

What are you trying to do? Are you trying to get a mortgage? Are you trying to get credit (cards) from a bank?

Thank you just broke. yes i really need a re-finance on my home mortgage. i have a chapter seven so the rules are i need to wait four years from dismissal. my date is Sept. 4, 2023
also trying to increase my credit file as i only have five debts
i do understand the freezing. i am in financial jail untill Sept. 4, 2023
appreciate the help!

[shipo]

A public record is not disputable, and Bankruptcies of all types are just that, public records. The only time disputing a Chapter 7 or Chapter 13 reference on one's credit reports will bear any fruit is during each individual CRA's "Early Exclusion" window (often reported as 6-months for TU, 3-months for EX, and maybe five minutes for EQ); disputing before the EE period will typically yield no benefit, and can often flag an individual as a "serial disputer" which will inhibit your ability in the future when you need to file a genuine dispute.

[justbroke]

What is Chexsystems?

They report for banks where you have held a demand deposit account (DDA) such as a checking or savings account. They are another source of information.

[justbroke]

Technically, a credit bureau verifies from the Bankruptcy Noticing Center (BNC) which handles notifications that are made part of the public record. I don't know of any credit bureau that directly speaks with any (specific) bankruptcy court or jurisdiction.

Just blocking the bureaus just keeps creditors from knowing when there's a request, so if you really need a creditor to find out, you'll have to unlock or provide a PIN.

What are you trying to do? Are you trying to get a mortgage? Are you trying to get credit (cards) from a bank?

[crabbman]

What is Chexsystems?

[crabbman]

Also security freezes at the Big Three as well.

[crabbman]

Thank you just broke. i am in the process now of doing this now. i have done security freezes at lexisnexis,sagestream,credco,innovis,clarity services,microbilt,factor trust, and A.R.S. I have a letter from Bankruptcy Court saying they have no communication with any credit bureau at all. so when i dispute with credit bureau the responce from them was that hey verified the information i disputed which in turns to a lie since they cannot have a talk with the Bankruptcy Court about info on my Bankruptcy case number. will let you know in a month when i send another letter to the Big Three bureaus telling them they have to remove what i tell them for they have so aggregiously lied to me. Can't wait for my world to change for the better. i am two years removed from my case numbers
Good day

[justbroke]

Technically you can dispute anything on your credit report. Whether or not it will be removed is another story. There are tricks to getting a bankruptcy removed, but smart (sophisticated lenders) will still know. That's because the bankruptcy will also appear on Chexsystems, as well as SageStream, LexisNexis, Innovis, Equifax Risk Solutions, as well as some other lesser known bureaus. All of the major creditors look to these alternate sources for foreclosures, bankruptcies, and other similar credit events.

The only dispute for a bankruptcy, really, is that it's not yours. While the 3 major credit bureaus likely do a cursory check for a dispute, it could be more difficult to remove such from the alternate bureaus, such as SageStream.

While I have read that "some" people are successful getting it off the major bureaus, you really can't hide it. The secondary sources -- like SageStream -- are utilized as well as regional bureaus that you and I may not even know exist. This will keep you from getting credit cards from the majors or a mortgage, so long as your bankruptcy hasn't aged enough.

[crabbman]

is it true you can ask, dispute chapter 7 and 13 from all credit bureaus?
What are the reasons one uses to dispute these?