I received my CH13 discharge two days ago. The discharge is already reporting on my Experian credit report so I have started the process of disputing the negative entries on my report. I have disputed everything that is reporting as "Petition for Chapter 13 Bankruptcy" that had late payments.
I have some "potentially negative" entries and I am not sure what to do with these:
I have some "potentially negative" entries and I am not sure what to do with these:
- Chase is reporting my mortgage as "Petition for Chapter 13 Bankruptcy/Never Late" and the account is showing as "closed." My mortgage was not included in the BK and I made my payments outside of the plan. My mortgage was not discharged, it is still open and I have never been late with a payment before or after filing. I would like this to be shown as an open account that is current, never late and is still reporting. Should I dispute it this way?
- Toyota is reporting the auto lease I had at the time of filing as "Petition for Chapter 13 Bankruptcy/Never Late" and the account is showing as closed. During my plan, my lease expired and I bought out the lease and financed it. Should this be disputed to show the account was paid in full and not in the bankruptcy?
Bankruptcy Wizard
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