Hi all:
I've been reading this forum for a quite a while but this is my first post. I have learned a lot. I filed a chapter 13 bankruptcy 5/2006 converted to Chapter 7 3/2007 and the discharge date is next week and haven't had any objections and trustee had given his statement of no assets.
I finally looked at my credit report, haven't seen it in 6 or so years. I did remember one of the cards I had included a score on their online site and I was hovering around 680-90. I had been current on all my cards prior to filing and not sure if I should have but followed my attorney's advice and stop paying the credit cards 90 days before filing. Credit card debt totaled about 25K.
I jointed truecredit to see if I could do some rebuilding. I pulled those scores and they range from 586 TU 568EXP 558EQF I know they aren't accurate but I wanted to wait until discharge to pull the FICO.
My question is in the truecredit report there a multiple account listings without account numbers or partial account numbers that are duplicates all showing derogatory even without balances. Now the interesting thing is when I go to dispute on TU or EXperian those accounts aren't there. Should I worry about all the duplicates showing up on the TrueCredit 3-1 page? Or since they don't show up on TU or EXP's credit report for disputing online not worry about it?
There was one Capital One account that kept reporting 120 days late even though it was IIB, I disputed online and they changed it Charge-off.??
It's only for 467.00, I sent them a letter saying if removed the trade-line from my report I would pay the balance in full. Think that would happen?
Thanks,
I've been reading this forum for a quite a while but this is my first post. I have learned a lot. I filed a chapter 13 bankruptcy 5/2006 converted to Chapter 7 3/2007 and the discharge date is next week and haven't had any objections and trustee had given his statement of no assets.
I finally looked at my credit report, haven't seen it in 6 or so years. I did remember one of the cards I had included a score on their online site and I was hovering around 680-90. I had been current on all my cards prior to filing and not sure if I should have but followed my attorney's advice and stop paying the credit cards 90 days before filing. Credit card debt totaled about 25K.
I jointed truecredit to see if I could do some rebuilding. I pulled those scores and they range from 586 TU 568EXP 558EQF I know they aren't accurate but I wanted to wait until discharge to pull the FICO.
My question is in the truecredit report there a multiple account listings without account numbers or partial account numbers that are duplicates all showing derogatory even without balances. Now the interesting thing is when I go to dispute on TU or EXperian those accounts aren't there. Should I worry about all the duplicates showing up on the TrueCredit 3-1 page? Or since they don't show up on TU or EXP's credit report for disputing online not worry about it?
There was one Capital One account that kept reporting 120 days late even though it was IIB, I disputed online and they changed it Charge-off.??
It's only for 467.00, I sent them a letter saying if removed the trade-line from my report I would pay the balance in full. Think that would happen?
Thanks,
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