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Subject:
How do I answer bankruptcy question if it does not appear in my credit report?
Category: Business and Money > Finance Asked by: ealfert-ga List Price: $5.00 |
Posted:
05 Aug 2005 12:06 PDT
Expires: 05 Aug 2005 14:03 PDT Question ID: 552162 |
In a few months it will be 10 years since I filed for bankruptcy and it was discharged. Therefore, the record will be removed from my credit report. But sometimes if you fill out an employment form or credit application there is a question that asks if you have ever filed for bankruptcy. Am I legally required to say "yes", or can I answer "no" since it no longer appears in my credit history record from the 3 major credit reporting agencies? I'm in Florida if it makes a difference legally. Any references to authoritative sources instead of just opinions based on ethics? |
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There is no answer at this time. |
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Subject:
Re: How do I answer bankruptcy question if it does not appear in my credit report?
From: research_help-ga on 05 Aug 2005 13:18 PDT |
If the question states "Have you ever filed bankruptcy?" then your answer should be yes, because you have. If the questions states "Is there any bankruptcy listed on your credit report?" then your answer should be no, because there no longer is. You obviously know the answer to your own question. Is your implied question therefore, what are the chances I will get caught if I lie? Well, if someone decides to check, you may get caught because there are many other records of your bankruptcy filing than just your credit report. |
Subject:
Re: How do I answer bankruptcy question if it does not appear in my credit report?
From: ealfert-ga on 05 Aug 2005 14:03 PDT |
You're right, I know the correct answer. I was just hoping for a "loophole". :) |
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