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Originally Posted by willdecided  Hopefully Chane can help me with this, but if not, someone else. I have a Chapter 7 that was discharged in 2001. All of the accounts that were discharged are now off all 3 credit reports. I see that some people have been successful with removing a Chapter 7 from there reports and the sample letter above seems like a good one.
A couple of questions for you: If I send the above letter to all 3 credit agencies, do I have to send a copy of my credit report as well?
How do I send the letter? Regular mail - USPS (with the option where the person who receives it has to sign for it?
Is it true that public records can only be verified in person? The reason I ask this is because back in 2005, I wrote to the court house about my chapter 7 and the woman who I was in contact with, scanned the forms and emailed them to me. But, did she do this because I was the person who was involved with the chapter 7, or can anyone email the court house and have my information emailed to them?
Any help would be appreciated.
Thanks. |
I always just send disputes by regular mail and have had great success. You don't have to send a copy of your credit report, just a copy of your driver's license and ss card or utility bill.
I'm not sure how it works, but they won't email the court house. If anything they will check with Lexus Nexus or E-Oscar. Just be persistent and follow up with a letter letting them know that you know that they didn't verify it.