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I used "Not Coded Correctly" with Experian

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    I used "Not Coded Correctly" with Experian

    and it did work. It did not result in the deletion of this particular tradeline but it did update it and in my favor too. It went from reporting as a charge off with a million lates to "Discharged through Chapter 7 Bankruptcy/Never Late." I'll take the IIB and the never late addition was great!
    Filed Pro-se: 01/18/06
    341 meeting: 02/14/2006
    Objection Deadline: 04/17/06
    Discharge: 06/13/2006
    Closed: 06/21/2006

    Credit cards

    06/25/06, reopened a Discover that I closed before my bk, $1500 limit
    July 2006, Target Redcard $200 limit
    August 2006, Hooters MC $1750 limit

    #2
    I disputed online. I chose "other" from the drop down menu under dispute reasons and then in the more information box I simply typed "not coded correctly." This one took about two and a half weeks to update and the other one that I sent the same way and on the same day is still pending.
    Filed Pro-se: 01/18/06
    341 meeting: 02/14/2006
    Objection Deadline: 04/17/06
    Discharge: 06/13/2006
    Closed: 06/21/2006

    Credit cards

    06/25/06, reopened a Discover that I closed before my bk, $1500 limit
    July 2006, Target Redcard $200 limit
    August 2006, Hooters MC $1750 limit

    Comment

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