Oden691
posted this on August 04, 2010 09:40 am
i have a bankrupcie on my credit report from 10 years ago. they said they investigated it and it was verified. how do i know they actually verified it. dont they have to show me proof of the investigation.?
Comments
Credit bureaus don't have to show you proof unless you specifically ask for proof. Yes, you can certainly ask the credit bureau to provide proof of verification of your bankruptcy. However, if the bankruptcy is indeed accurate, proof of a bankruptcy is public record, making this very easy for them to verify (because there are court records) and very hard to contest. Chances are likely that it will remain there. On the other hand, if the bankruptcy listing is in error, that's a different story and it should come off right away if it cannot be verified. However, you say that this bankruptcy is from 10 years ago. If the bankruptcy is indeed 10 years old, it should no longer be on your report. A Chapter 7 Bankruptcy will only stay on your report for 10 years. If it has been longer than ten years you can write a dispute letter to tell them the information is outdated and to please remove it.