why does my credit report show bankruptcy when i have never filed bankruptcy in my life?

6 Responses to why does my credit report show bankruptcy when i have never filed bankruptcy in my life?

1. 

   lorijotx on February 7, 2009 at 11:34 pm

   Go online and pull your 3 free reports (you can pull them once a year for free). Look them over and report to the agencies the discrepancies. They will then contact whom filed the report and they have 30 days to prove the entry. If they can’t, it has to be removed.

   Federal Trade Commission page with links & answers:

   Here is the actual report request page:
2. 

   Matt on February 10, 2009 at 7:23 pm

   That is scary. It’s probably a mistake and was supposed to be for someone else. You’ll need to send dispute letters to the three credit bureaus. Follow up and keep an eye out.

   Good luck.
3. 

   bdancer222 on February 13, 2009 at 7:18 pm

   Dispute the item with the credit bureaus. It could be a keying error or just someone with a similar name.
4. 

   Doctor Deth on February 14, 2009 at 1:55 pm

   probably a keying error – someone entered the info for another person and mis-entered the soc sec # – check all your credit reports and contact any that have the incorrect info and write them and have them remove the wrong info -
5. 

   stan c on February 15, 2009 at 4:41 am

   RENATE

   If you already ran your credit report, there should be a reference number on the top from Trans Union. You can call their customer service # @
   1-800-916-8800
6. 

   Jeromy W on February 16, 2009 at 2:57 am

   definately go to each institution and dispute the claim, are there any other erroneous charges? I hope someone didn’t get your into. Also, call the county courthouse where the documentation was filed and see if you can obain a copy of it, you may find the information you need to dispute the claim with the credit bureau’s