Finance

Have finance questions? Ask a financial expert online.

Ask an Expert,
Get an Answer ASAP!

Credit report clean up. TN and filed BK in 2013 and

Customer Question
Credit report clean up ...

Credit report clean up

Accountant's Assistant: What state is this in? And when did the issue begin?

TN and filed BK in 2013 and discharged in 2016 but incorrect information... and other issues that are still showing on report I need a professional to help me clean this up

Accountant's Assistant: Has anything been filed or reported?

Do you specialize in this stuff?

Submitted: 10 months ago.Category: Finance
Show More
Show Less
Ask Your Own Finance Question
Customer reply replied 10 months ago
Here's what I need:1. I filed CH 7 BK in 2013 and my credit report is showing 5/2016 CH 11 discharge. I never got a discharge and matter of fact I "waived" my discharge in Jan 2016. I believe my credit report is currently showing this CH 11 discharge last year AND a open CH 7 (which is true). The CH 7 is finally closing in the next 30 days. It took so long (4 years) because of my business BK with preferences, etc...2. My credit report shows some loans that have been paid off a long time ago but showing balances, etc... Maybe this is due to my "open" CH 7 still out there? I have a loan thru US bank that hasn't shown on my credit for years now and need it to3. I am trying to fix all of this stuff so I can get approved soon for a JUMBO loan on a house with my wife. I have good credit (675) but think if I cleaned a lot of this up it would helpSO... I am needing a credit repair expert and a mortgage expert to give me guidance. I approve you to even pull my credit to see what I do
Answered in 7 hours by:
9/30/2017
Financial Professional: bkb1956, Finance Enthusiast replied 10 months ago
bkb1956
bkb1956, Finance Enthusiast
Category: Finance
Satisfied Customers: 6,671
Experience: IRS Enrolled Agent, 20+ years of experience in tax preparation with associated finance experience.
Verified

Welcome to Just Answer. My name is ***** ***** I will be happy to assist you.

Unfortunately, when there are errors on your credit report, it is your responsibility to notify the three major credit bureaus of the mistakes. They will process the information and make the necessary corrections.

The following links contain excellent information about reporting errors on your credit report (including a sample letter):

https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports

http://www.myfico.com/credit-education/questions/fix-errors-on-credit-report/

It usually takes the credit bureaus 30 days to process the information.

Please let me know if I can assist you further.

Thank you and best regards,

Barb

Ask Your Own Finance Question
Financial Professional: bkb1956, Finance Enthusiast replied 10 months ago

Just following up with you to see if you have any other questions. If so, please let me know so I can continue to help you.

Ask Your Own Finance Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a financial professionalLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask bkb1956 Your Own Question
bkb1956
bkb1956
bkb1956, Finance Enthusiast
Category: Finance
Satisfied Customers: 6,671
6,671 Satisfied Customers
Experience: IRS Enrolled Agent, 20+ years of experience in tax preparation with associated finance experience.

bkb1956 is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response...

T.G.WMatteson, IL

I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight.

BonnieChesnee, SC

Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation.

JohnMinneapolis, MN

Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with.

OrvilleHesperia, California

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!!

AlexLos Angeles, CA

Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult.

GPHesperia, CA

< Previous | Next >

Meet the Experts:

Rakhi Vasavada

Rakhi Vasavada

Financial and Legal Consultant

2,609 satisfied customers

Graduated in law with Emphasis on Finance and have have been working in financial sector for over 12 Years

Megan C

Megan C

Certified Public Accountant (CPA)

2,222 satisfied customers

Licensed CPA, CFE, CMA, CGMA who teaches accounting courses at Master's Level

Manal Elkhoshkhany

Manal Elkhoshkhany

Tutor

1,933 satisfied customers

More than 5000 online tutoring sessions.

JKCPA

JKCPA

CPA

844 satisfied customers

Bachelors degree and CPA with Accounting experience.

Eric

Eric

Financial Manager

559 satisfied customers

Loan servicing, counseling and real estate expert. Foreclosure Expert and Financial Planner.

R. Klein, EA

R. Klein, EA

Accountant

480 satisfied customers

TurboTax Expert. QuickBooks Certified Pro Advisor

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

332 satisfied customers

NASD Licensed Rep, 1997-2001, Business Attorney

< Previous | Next >

Related Finance Questions
Had a house that was foreclosed on 2014, there was a 1st and
had a house that was foreclosed on 2014, there was a 1st and 2nd mtg on it. The 1st mtg. ($320,000.00) was bought back by the bank and I was given a 1099-A. I used the The Mortgage Forgiveness Debt Re… read more
NPVAdvisor
NPVAdvisor
CFP Licensee and Practitioner
Master's Degree
180 satisfied customers
Would this be a new question or an extension of the old
Would this be a new question or an extension of the old question? … read more
PDtax
PDtax
Owner
Master\u0027s Degree
1 satisfied customers
, Told by Nelnet that they r not sending out 1099c
Told by Nelnet that they r not sending out 1099c for 3 years now (after probation time) instead of the year that the debt was for logiven. They said I would receive my in the yr 2019. How in the world r people going to have information to see if they are insolvent. The website for Nelnet says "The Department reports the discharge of any loan debt totaling $600.00 or more to the Internal Revenue Service (IRS) for the year that the loan was discharged. If your loans are discharged, we will send you an IRS Form 1099-C that will identify the total amount of your discharged debt. The amount of the discharged debt will be considered income for federal tax purposes and possibly for state tax purposes. You may want to consult with a tax professional to determine how this may affect your personal taxes." Said ruled changed Jan 18th this yr. I am going ahead and putting mine on my 2015 taxes because I do not know what the tax laws will be for 2019 and finding the correct information will almost be impossible. … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
If someone files for bankruptcy, and then dismisses it and
If someone files for bankruptcy, and then dismisses it and never goes to discharge: 1.will it show in their credit report? 2.if yes, will mortgage lenders count it against them? 3.if so, will it count… read more
Megan C
Megan C
Certified Public Accountant (CPA)
Master's Degree
2,222 satisfied customers
I filed for BK in 2009. My home loan was not reaffirmed, until
I filed for BK in 2009. My home loan was not reaffirmed, until Nov 2012 I have made payments on time. At this point, is it best to just walk away or go through a short sale? I'm interested in the best… read more
Megan C
Megan C
Certified Public Accountant (CPA)
Master's Degree
2,222 satisfied customers
I thought I wanted to file for bankruptcy, but now Im not
I thought I wanted to file for bankruptcy, but now I'm not sure. I have all the paperwork done and all they need is my signature on the papers. In the 5-year bankruptcy petition I still owe the mortga… read more
Eric
Eric
Financial Manager
Bachelor's Degree
559 satisfied customers
Between myself, my husband and my 2 kids we have over $30,000
Between myself, my husband and my 2 kids we have over $30,000 in hospital bills as well as around $10,000 in other unsecured debts and a $25,000 car loan that we are upside down in. We have been to se… read more
Eric
Eric
Financial Manager
Bachelor's Degree
559 satisfied customers
My monthly mortgage payment went up by $400, and my daughter
My monthly mortgage payment went up by $400, and my daughter lost her job, her car was repossessed I cosigned her car, and no more overtime at work, so what options do I have? file bankruptcy or can I… read more
Eric
Eric
Financial Manager
Bachelor's Degree
559 satisfied customers
Im currently licensed with FINRA, Series 7 and 66, however
I'm currently licensed with FINRA, Series 7 and 66, however due to unforeseen circumstances I was divorced back in 2003 got depressed and end up spending more that I should have on Credit Cards...a fe… read more
Eric
Eric
Financial Manager
Bachelor's Degree
559 satisfied customers
I run a small business with my wife. My parents started it
I run a small business with my wife. My parents started it 18 years ago and it was incorporated in their name. All stock is in their name. I have been running this as my own business for the past 12 y… read more
Eric
Eric
Financial Manager
Bachelor's Degree
559 satisfied customers
I had filed bankruptcy and included the my home, I reeived
I had filed bankruptcy and included the my home, I reeived the Discharge of Debtors from the court how long do I have to leave my home?… read more
Eric
Eric
Financial Manager
Bachelor's Degree
559 satisfied customers
I just found out today that my bankruptcy was dismiss. B/c
I just found out today that my bankruptcy was dismiss. B/c i didn't make the payments on time. I would like to know if i decide not to file again. Do I have to pay the unsecured loans back to them. An… read more
Eric
Eric
Financial Manager
Bachelor's Degree
559 satisfied customers
I filed chapter 7 bankruptcy and included my home in california
I filed chapter 7 bankruptcy and included my home in california which was discharged in December 2007. my credit report lists the home as bk chapter 7, however, the title to the house shows it as a fo… read more
Robert Thomas
Robert Thomas
Senior Bank Officer
Bachelor\u0027s Degree
42 satisfied customers
I have to find out what the Make whole amount is for a loan,
I have to find out what the Make whole amount is for a loan, I ahve all the loan infromation but I donot know how to calulate it, can you help… read more
JKCPA
JKCPA
CPA
Bachelor's Degree
844 satisfied customers
Please help with this assignment. I need a 2-3 paragraph about
Please help with this assignment. I need a 2-3 paragraph about the following by 5pm tomorrow. Please cite and reference all work. Note: Wikipedia is not an excepted site. Thanks-Customer If a good fri… read more
Milan Vaishnav
Milan Vaishnav
Consulting Technical Analyst
Bachelor's Degree
536 satisfied customers
I need to file Bankruptcy so that I can retire, I am 75 and ...
I need to file Bankruptcy so that I can retire, I am 75 and my wife is 70. Retirement Income will not come close to paying my obligations. Do we need to leave our jobs before we file or can we continu… read more
Dave Z
Dave Z
Self-Employed
Bachelor
418 satisfied customers
I have owed a school I attended in Philadelphia money ...
I have owed a school I attended in Philadelphia money for tuition and filed a Ch.7 in 1999. This was not a student loan as I understand that are not dischargeable. They are still trying to collect the… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
where can i obtain a loan with charge offs on my credit report
I made the big mistake of obtaining payday loans and would like to consolidate them, pay all my utilites off. My ex-husband became a crack addict so now I am no longer receiving child support until I … read more
simon suh
simon suh
loan consultant
High School or GED
Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Show MoreShow Less

Ask Your Question

x