If my debts were discharged in a Chapter 7 filing, aremy creditorsobligated to remove negative notations on my credit report?
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If my debts were discharged in a Chapter 7 filing, aremy creditorsobligated to remove negative notations on my credit report?
Discharge was in 2007. Most of my creditors removed negative comments but 7 have not.
Asked on June 30, 2011 under Bankruptcy Law, Ohio
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
No, there is no requirement that creditors remove the negative notations--though they are welcome to. The issue is purely whether the notations are or were accurate; if they were--for example, if they honestly and correctly reflected defaults, late payments, etc. which had occured--then the creditor is under no obligation to remove them. The credit report should also reflect any subsequent events which help, justify, or moderate them--for example, if you disputed the amount of a debt or your liability, that should be included--and of course the credit report should also reflect the bankruptcy filing itself; but fundamentally, accurate information does not need to be removed, even if a bankruptcy later discharges a debt.
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