Credit report

[marzipan13]

I registered on the website TrueCredit.com, which gives scores and reports from all 3 credit bureaus. I get alerts whenever something changes on my report.
I've noticed that a few of my debts were changed to "included in bankruptcy", but others are still reporting/updating that I'm still delinquent. Can they still do that? Shouldn't they all be in status of 'included in bk'?
I also noticed that one judgement is listed 2 times! Filed in Delaware and filed in Maryland.

Also, I registered directly with Experian website to review my credit report and score... my score is higher on their website than on TrueCredit.com!
What is that all about?

[HHM]

Really, there is not a whole lot you can do about the entries until your BK is either discharged or dismissed. As for delinquent payments, if you missed payments BEFORE the bk, those late payments can stay on your report for 24 months.

As for the credit scoring, welcome to the world of FAKO vs. FICO scoring. Do a search in our Rebuilding Credit forum for further explanation on why your scores from TrueCredit are not the same as your "real" score.

[Beach Bum]

Really, there is not a whole lot you can do about the entries until your BK is either discharged or dismissed. As for delinquent payments, if you missed payments BEFORE the bk, those late payments can stay on your report for 24 months.

I'd have to argue with that. I still have 7 days until my last day for objection and I've gone through 2 rounds of disputing items on my CR's with pretty good success. All but one card (Barclay's/Juniper), has come back as IIBK with 0 balances. I still have 2 late's that are still being reported on other cards. But for the most part, I'm pretty much done with the clean-up. Let's just hope the next 7 days goes smoothly.

[HHM]

Let me clarify, I am not saying you "can't" dispute the entries...but you don't really need to go to the effort before discharge...reason being, is that some companies will not update an entry with IIB until the BK is discharged. Thus, generally speaking, the inaccurate entries that exist "during" the BK, about 75% of the time, resolve themselves with 45 days of discharge.

The other issue is, if push comes to shove, the creditors are not "required" to report IIB until the BK is discharge. So in essence, you are disputing entries when you have no real legal leg to stand-on...and thus, spinning your wheels.

But if you want too, and have the time, by all means, go ahead and dispute. In the end, it is not going to hurt you.

[marzipan13]

HHM,
Do you think that the creditors who are updated as IIB are already predicting that my debt with them will be discharged and won't be objecting?

[HHM]

HHM,
Do you think that the creditors who are updated as IIB are already predicting that my debt with them will be discharged and won't be objecting?

Your giving your credit report too much credit

The entries on your credit report mean nothing vis a vis your obligation to pay and the creditors intention with regard to a debt. So to answer your question, NO.

If you have read around this site, objections do not come out of the blue...I am always amazed how many people stress out during the 60 day objection period. If you have done any research into the reasons creditors can object or have a half-way decent attorney, you would have a pretty good idea of the chances of an objection. Objections to dischage, filed by creditors, are actually quite rare.

The reason some creditors report IIB even before the discharge is because it is simply easier for them to do it that way.