Comments on: Credit Report & Bankruptcy http://www.bankruptcy-canada.ca/after-bankruptcy/2008/04/credit-report-bankruptcy.html Personal Bankruptcy Canada Blog Fri, 10 Feb 2012 15:23:44 +0000 hourly 1 By: Ted Michalos, CA trustee http://www.bankruptcy-canada.ca/after-bankruptcy/2008/04/credit-report-bankruptcy.html#comment-31280 Ted Michalos, CA trustee Fri, 02 May 2008 12:25:27 +0000 http://www.bankruptcy-canada.ca/after-bankruptcy/2008/04/credit-report-bankruptcy.html#comment-31280 Unfortunately, there's no one "to go to" in order to get this problem resolved. The credit bureau takes the position that they are reporting information that has been declosed by thier members and as such, the reporting agency is not responsible for the content. You can decide for yourself whether or not that is a reasonable position. This particular problem is more common in the general public (ie persons that have not filed for bankruptcy) - there are no statistics published that I am aware of regarding "problems" with the credit bureaus, but they are more common than they should be... I can suggest three different approaches for you to consider: 1) contact the creditors directly (instead of the credit bureau) and try to get them to report the correct information. This is the "best" solution, but it is also the most difficult and requires the most effort on your part; 2) continue to rely on the credit bureau's dispute resoltion process - you'll find the instructions on their website(s); and 3) hire a lawyer and take legal action against the credit bureau. Sorry I can't be more helpful - credit bureau problems can be very difficult to resolve. Unfortunately, there’s no one “to go to” in order to get this problem resolved. The credit bureau takes the position that they are reporting information that has been declosed by thier members and as such, the reporting agency is not responsible for the content. You can decide for yourself whether or not that is a reasonable position.

This particular problem is more common in the general public (ie persons that have not filed for bankruptcy) – there are no statistics published that I am aware of regarding “problems” with the credit bureaus, but they are more common than they should be…

I can suggest three different approaches for you to consider:

1) contact the creditors directly (instead of the credit bureau) and try to get them to report the correct information. This is the “best” solution, but it is also the most difficult and requires the most effort on your part;

2) continue to rely on the credit bureau’s dispute resoltion process – you’ll find the instructions on their website(s); and

3) hire a lawyer and take legal action against the credit bureau.

Sorry I can’t be more helpful – credit bureau problems can be very difficult to resolve.

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