How can I ensure that my parent's bankruptcy filing doesn't affect me? 25 Answers as of December 28, 2011

You were probably an authorized user of the card. The fact that your credit report says that the credit debt was discharged in bankrutpcy or was involved in a bankruptcy case should not affect your credit score. It was not your debt and you had no obligation to pay it if you were only an authorized user. There is nothing you can do about it but you might want to clarify the situation for the bank although it should not be necessary since your credit report does not mention that you filed a bankrutpcy case and usually there is a question on the application about bankrutpcy cases that you might have filed. If you were jointly a debtor with your mother then you would still have to pay the credit card but it sounds like you were just an authorized user.

Contact the credit reporting agency and send them a dispute letter. They are required to investigate your complaint. Send enough information to show it is not your account. You can find sample letters on the net.

You file a dispute with the credit reporting agency. This can be done by certified mail or online. They will contact Chase to verify. If it does not get taken care of that way then you contact Chase.

Most bankruptcy lawyers are not experts at credit reporting or credit report correction. That said, you are entitled to correct your creditor report, and have inaccurate information removed. Send each major creditor reporting agency a detailed letter specifying the inaccurate information. The inaccurate information should be removed in due course.

You should absolutely contact chase.

The first thing you need to do is to challenge the entry with the credit bureau. If it is not your card, the entry should be removed from your credit report.

If it is a student loan it can't be included in bankruptcy. If it's normal credit card she will need to reopen her case to include that creditor. If you are also on the card by including it in her bankruptcy your credit will be affected.

You fill out a form objecting to the misinformation directly to the credit reporting agency.

You file a dispute with the credit reporting agency who then contacts the creditor.

You should contact the credit bureaus and demand that they remove this entry. If they don't you might have a claim against the bureaus and the lender under the Federal Fair Credit Reporting Act and a variety of different state laws as well.

Yes, if you are improperly listed on a credit card then you have to take that issue up with the creditor. So, call the creditor and tell them they listed you improperly.

You should dispute that debt with the three credit bureaus. Inform them that the debt is not yours and that the information is inaccurate. The bureau will then attempt to get verification of the debt from the creditor. If the information is not verify, then it will be removed.

I would start with contacting Chase.

Their bankruptcy should not affect you if you were not co-signers on any debts. Contact the credit bureau reporting it and dispute the account. You can contact Chase as well and notify them that you believe it to be an error.