The problem with a person who had a TRW credit report

Edwards Finance > Credit Report

Q. My husband had a TRW credit report run last night and it had a 10 yr. old bankruptcy still on it. I was under the impression that bankruptcies disappeared after 7 yrs. We want to finance a car (his credit has been very good since the bankruptcy that was due to his ex-wife's medical expences) and I have impeccable credit, but no job. We need to find out how to get this off his TRW report before we can proceed with car financing. Does anyone help me now ?

A. The federal Fair Credit Reporting Acts permits credit bureaus to list negative information for up to 7 years; however, bankruptcies can be reported for up to 10 years. Since it has been about 10 years for you, then it should be about time for it to come off. The information that came with the credit report should list the details on how to dispute this information. You must send TRW a letter explaining that the bankruptcy is 10 years old and should no longer be reported. This bankruptcy may also be on his TransUnion and Equifax credit report. He should follow the same procedure for all three bureaus.

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