would it be to my advantage to go ahead and start working on my credit reports now? I have about 3 1/2 months to go until my 13 is complete. There is nothing really way off on them...just some debts that were included in my bankruptcy are not reporting as such.
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I'd start right away! They need to be reporting correctly, even if you aren't discharged just yet.3/27/07: Chapter 7 Filed - Pre-filing true FICO (hers/his) 450/477
5/10/07: 341 Meeting DONE! Trustee's Report of No Distribution Filed
7/04/07: FICOs going up! Credit report cleanup
(hers/his) 540/536
7/10/07: DISCHARGED! 8/27/07: CLOSED! -
It takes about 30-45 days to run thru a Dispute Cycle. You Dispute, then the Creditors have to verfiy or not. Then the CRA makes appropriate changes to your Credit Reporting.
At 3 months out from Discharge, you'd get thru 2, maybe 3 rounds of Disputes toward getting everything reporting correctly by the time your Discharge comes thru.
Definitely worth a shot. Worst that can happen is nothing changes and you have to do it all again. Best case scenario, you've got a jump start out of the blocks when your BK is Discharged.Filed Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...Comment
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