Equifax continues to report balances after disputing. Can anyone tell me if I have to wait until after the discharge before I can get the balances removed or basicly, do I have to be dischared before they (CRA) are required to remove them ?
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I'm not sure. I *think* you have to wait to be discharged before the balance should show as $0. After discharge, they should report as a $0 balance and IIB. ("Included In Bankruptcy.")
I'm waiting until after my discharge to start disputing.Chapter 13 Filed "Old Law"
Filed: 6/2003 Confirmed: 3/2004
Early pay off sent: 10/05/2007 - 9 months early
11/16/2007 - Discharged!
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Even though the comment "included in bankruptcy" should be the ONLY comment left once the debt is discharged, CRA's have a habit NOT to delete any historical (prior to discharge) information from your credit history. Fair? No!Originally posted by po man View PostComment
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By law the balance can be reported until the discharge is granted. If it shows after that, then you can dispute it.Comment
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Yep! Which is why I am waiting for my discharge before I start disputing items.Originally posted by tradewiz50 View Post
Chapter 13 Filed "Old Law"
Filed: 6/2003 Confirmed: 3/2004
Early pay off sent: 10/05/2007 - 9 months early
11/16/2007 - Discharged! Comment
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