Remove Bankruptcy

[k8t]

Hi,

I am new to this site and have had a quick look at a couple of the messages... I was wanting to know how I get a discharged bankrupt removed from my credit file.

it shows all is paid and I am discharged however no banks will lend me money even though i have no debt now, earn good money.

i would love to buy a house in a year or two ... (but wont have 80,000 which is what I am being told I will need) pls is anyone can assist I would be so thankful.

K8T

[Trish]

Originally Posted by k8t

Hi,

I am new to this site and have had a quick look at a couple of the messages... I was wanting to know how I get a discharged bankrupt removed from my credit file.

it shows all is paid and I am discharged however no banks will lend me money even though i have no debt now, earn good money.

i would love to buy a house in a year or two ... (but wont have 80,000 which is what I am being told I will need) pls is anyone can assist I would be so thankful.

K8T

Hi,
Sorry I missed this question.

BKs are difficult to get removed......a couple of members here can probably vouch for that..
But it's not completely impossible.
Here are a couple of threads that might give you some ideas on getting a BK deleted and also on removing IIB accts.

Guide To Disputing/Removing Judgments
(even though this is for judgments, some people have had luck having BKs removed this way)

Cleaning up IIB accounts


HTH

[improving]

Yeah, it is pretty difficult to get rid of b/k on file. It is always worth a try though. Make sure you establish new credit too to bring up your scores (if they are lower). Even with a past b/k - we'd need more details on date, but depending on scoring, situation, etc. you still may be able to qualify for obtaining a mortgage (a bit harder these days - but it is possible). It's always best to shop around for lenders too - many have same resources, but sometimes another may have one that could work!

[jjgross]

Originally Posted by improving

Yeah, it is pretty difficult to get rid of b/k on file. It is always worth a try though. Make sure you establish new credit too to bring up your scores (if they are lower). Even with a past b/k - we'd need more details on date, but depending on scoring, situation, etc. you still may be able to qualify for obtaining a mortgage (a bit harder these days - but it is possible). It's always best to shop around for lenders too - many have same resources, but sometimes another may have one that could work!

dispute the content of the bankruptcy not the bk its self,in order to correct it the bk would have to be reopened and the cra nor the oc can do that.

[k8t]

Hi All,

Thanks for the advice and support... unfortunately I live in Australia and still dont know where to start.. do I contact a lawyer and ask them?

k8t

[chane]

Originally Posted by k8t

Hi All,

Thanks for the advice and support... unfortunately I live in Australia and still dont know where to start.. do I contact a lawyer and ask them?

k8t

This site is mostly based on United States law and just recently Canada. What applies to us will probably not apply to you.

We haven't started a section for Australia. I'm afraid we don't get enough visitors from Australia to do so. In fact, I think you are our first Aussie.

[Trish]

These may be some good sites to look into:

Office of the Privacy Commissioner
Consumer Bad Credit Repair Guide (they have a section for Australians)
Uniform Consumer Credit Code

Where to get your reports:
(this info was from that first link above)

Credit reports are generally required to be given free of charge.

There are two main credit reporting agencies. Their contact details are:

Veda Advantage
Public Access
PO Box 964
North Sydney NSW 2059
Phone:1300 762 207
Fax: (02) 9951 7880
URL: My Credit File - Veda Advantage
Email:assist.au@vedaadvantage.com

Dun & Bradstreet
Public Access Centre
Dun & Bradstreet (Australia) P/L
PO Box 7405
St Kilda Road VIC 3004
Phone: 132 333
Fax: 03 9828 3185
URL: Dun and Bradstreet - Dun & Bradstreet - Order my consumer report
Email:customerservice@dnb.com.au

People living in Tasmania can also contact:
Tasmanian Collection Service:
GPO Box 814H
Hobart TAS 7001
Phone: 03 6213 5555
Fax: 03 6234 2988
URL: Tasmanian Collection Service
Email: enquiries@tascol.com.au

Well, hopefully that will at least get you going in the right direction.
Good luck