Big news!!! Everyone must read this thread!

[NASCAR20FAN]

OK, well. a lot of bold print and an exclamation (?) point in your post,
but still basically nothing has changed, right? You are still up shit creek
with a small paddle (if one at all). My suggestion is to wait until you have
some type of documented proof to back up what ever it is you are trying
to present to the forum. Right now, in fact, you have zilch. Beyond that,
good luck.

Did you have any toys as a kid? You didn't read my post, did you? My point in case you missed it, is to provide the information I was given today. It's eems for a site dedicated to keeping people I sure have taken a mouth full of krap since I posted this info...

[anonymuse]

Let's play nice in our sandbox together.

[NASCAR20FAN]

Let's play nice in our sandbox together.

I'm passing on information to keep people informed. If people don't like what I have to post, or they think another forum has more / better information then they need to go there and quit bashing my posts!

[Princesskina]

Thanks for the info.... So the date changing thing is NOT LEGAL I am so glad u posted this here where I can see it since I dont frequent creditboard.com

[NASCAR20FAN]

Thanks for the info.... So the date changing thing is NOT LEGAL I am so glad u posted this here where I can see it since I dont frequent creditboard.com

No prob...

[Danielle1981]

So does anyone know what that dispute box is on the bk papers? I have mine from NCO that they chaged the date to June 2006 and the dept is actually November 2000.

[keepmine]

Danille,

You're talking apples and oranges. Reaging is illegal and if that's what happened, you have a cause of action based on an inaccurate entry on your reports.
The mistake you are making is disputing everything wildly {and likely as not mine} when you have not even had your 341 meeting. All those accounts will be easily verified just because they'll be easy to see in your bk petition.
You really need to sit back and let the dust settle and let these accounts report and then, start picking out inaccuracies in the reporting.
You really need to read your bk petition. On the schedule that list your creditors, there is box to check if you dispute the debt is yours. Hopefully, you didn't check it because, the trustee will ask why are you including it in bk if it isn't yours?

[NASCAR20FAN]

Danille,

You're talking apples and oranges. Reaging is illegal and if that's what happened, you have a cause of action based on an inaccurate entry on your reports.
The mistake you are making is disputing everything wildly {and likely as not mine} when you have not even had your 341 meeting. All those accounts will be easily verified just because they'll be easy to see in your bk petition.
You really need to sit back and let the dust settle and let these accounts report and then, start picking out inaccuracies in the reporting.
You really need to read your bk petition. On the schedule that list your creditors, there is box to check if you dispute the debt is yours. Hopefully, you didn't check it because, the trustee will ask why are you including it in bk if it isn't yours?

With all due respect, I must disagree. when these dates change we need to find out why ASAFP. When I called Transunion, Exerian, and Equifax to inquire about the date changes they told me they can keep reporting these as long as they want! Wrong, 100% wrong! If the dates have changed there is likely
one reason, the CA's are saying "F" you! "Were not going to get our money, so we are going to keep you credit rating as low as possible for as loong as possible". Remeber, if these items are scheduled to fall off your report, when they do, your scores will go up BK or no! I started my disputes before my 341 and my scores are better because of it! The more you get done prior to discharge the better. Keep in mind you may have top take legal action to get these dates changed back to what they were prior. Get started now send certified letters to all three CRA's (if they are all reporting the same way) and when they get back to you saying that they will not change them, call the FTC. I'm sure they would be very interested to hear that.

[NASCAR20FAN]

I guess that really depends on what your goals are Nascar20fan -- personally, I'm going to enjoy being debt free as long as possible and don't really plan on using credit for awhile. Perhaps that accounts for my lack in the sense of urgency to get my credit report cleaned up.

If you're planning to use credit in the near future, it would make sense to clean up the report ASAP, but if you're not, then it doesn't really make any difference if you do it now, or a couple months down the road.

The only credit in my foreseeable future would be to replace one of our cars, both are almost 10 years old, but one only has 42k miles on it.

Other than that, I'm pretty much done with home ownership, etc. But who knows, that could change at any time -- then I might be sorry I didn't start sooner.

But for today, I like only getting my cable, phone & electric bills in the mail! I'm digging it BIG TIME!

My advise to anyone who is filing is get it all done at once. It's alot of work filing and waiting for discharge. So you might as well get as much out of the fresh start as you can.

[NASCAR20FAN]

That's cool! I'v been neglecting my credit for so long, and now I need to buy a house in the next 2 years. I have a creit card to build my credit back up. I'd like to think I'm doing the right thing (for me), because I've had a good boost in my scores so far.

[Minnymouth]

Trying to clean up your credit report before discharge is extremely hard......
Companies can report your status open, owing, late, or in collections...... BECAUSE YOU HAVE NOT BEEN DISCHARGED YET......

So they are not reporting WRONG.......

Until your bk case has been discharged, companies DO NOT legally have to report you as being "included in bankruptcy".

So a lot of times you will be wasting your time, energy, and efforts trying to get your reports changed before discharge...

As soon as discharge is granted, companies are forced by law THEN to report you as "included in bankruptcy - zero balance"......

Yes, I would go ahead and pull a copy ahead of time, and go over it..... infact I would do that before I filed my petition to see where I stand and make sure I don't miss anything that I need to file against....

[Danielle1981]

I want everything that shouldn't be there off. I don't want to see it ever again or be reminded of it....or be reminded of it as little as possible. I live all cash right now too. But I don't want it looming over my head if that makes sense.

Also MBNA has it reported once for them....then they sent it to HILCO receivables (collections agency) and they have it listed with the correct date 11/2000, then NCO lists the account a third time but with a date of 06/2006. So that is the discrepancy I have a problem with.

[Danielle1981]

Trying to clean up your credit report before discharge is extremely hard......
Companies can report your status open, owing, late, or in collections...... BECAUSE YOU HAVE NOT BEEN DISCHARGED YET......

So they are not reporting WRONG.......

Until your bk case has been discharged, companies DO NOT legally have to report you as being "included in bankruptcy".

So a lot of times you will be wasting your time, energy, and efforts trying to get your reports changed before discharge...

As soon as discharge is granted, companies are forced by law THEN to report you as "included in bankruptcy - zero balance"......

Yes, I would go ahead and pull a copy ahead of time, and go over it..... infact I would do that before I filed my petition to see where I stand and make sure I don't miss anything that I need to file against....

Yeah but how would you feel if it says derrogatory on your score twice for the same account oh and by the way not only the double whammy but one collection agency is going to report the correct date and the other....well let's just say your debt started all brand new as of today.....13 years on your report.

[Danielle1981]

http://www.ftc.govhttp://www.ftc.gov. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

http://www.ftc.gov/opa/2004/05/ncogroup.htm

Exactly what they did to me.....

[lrprn]

Awesome:

NCO Group to Pay Largest FCRA Civil Penalty to Date

http://www.ftc.gov/opa/2004/05/ncogroup.htm

Exactly what they did to me.....

If NCO is still doing this to you now, Danielle, obviously a $1.5 million fine in 2004 didn't do a darned thing to deter them from continuing to report inaccurate and misleading information to the CAs. Bastards.