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No code stating IIB or BK

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    No code stating IIB or BK

    I have 2 questions...
    I use Truecredit.com as credit monitoring...My chp7 BK was discharged Feb 2006...under Public info it states BK was discharged and the closing date under TransUnion & Experian..but there is no closing date listed under Equifax. It does list discharged under Equifax..but not the date. Does this matter?

    2nd part..
    All of my accounts are coded as charge off..none of them say anything about "IIB or CHP 7". I have disputed online with Transunion and Equifax (have to do it in writing with Experian), but when I disputed the only option was to put "included in BK"...is this the right way to dispute? If it is not corrected...I guess I have to dispute not coded correctly right?

    Thanks in advance
    BK DISCHARGED~02/2006
    Aspire cc $400...CNAC (auto) $15,000
    FICO score 8/06 Trans (549) Exp (538) Equi (559)
    FICO score 9/7/06 Trans (583) Exp (564) Equi (621)

    #2
    You can disputed with any option either no coded correctly or included in BK, I have seen others dispute it as not coded correctly on another msg board. Also why cant u dispute online with Experian?
    Discharged... 2/13/07 Closed... 2/20/07
    Ochard Bank $600 Household Bank $600
    Hooters Card $1000 Target Store Card $500
    Discover HSBC $300

    Comment


      #3
      I cannot dispute with Experian because it's telling me I have not verified all the information correctly. I know the info is correct..but when I try to contact them they are telling me that I will have to dispute by mail.
      BK DISCHARGED~02/2006
      Aspire cc $400...CNAC (auto) $15,000
      FICO score 8/06 Trans (549) Exp (538) Equi (559)
      FICO score 9/7/06 Trans (583) Exp (564) Equi (621)

      Comment


        #4
        ALSO..when I call the # of the creditor's that are listed under contacts in the credit report...most the #'s are disconnected. What is this?
        BK DISCHARGED~02/2006
        Aspire cc $400...CNAC (auto) $15,000
        FICO score 8/06 Trans (549) Exp (538) Equi (559)
        FICO score 9/7/06 Trans (583) Exp (564) Equi (621)

        Comment


          #5
          Usually some info is outdated well mail them a letter (certified mail) stating you disputes it should work.
          Discharged... 2/13/07 Closed... 2/20/07
          Ochard Bank $600 Household Bank $600
          Hooters Card $1000 Target Store Card $500
          Discover HSBC $300

          Comment


            #6
            thank you
            BK DISCHARGED~02/2006
            Aspire cc $400...CNAC (auto) $15,000
            FICO score 8/06 Trans (549) Exp (538) Equi (559)
            FICO score 9/7/06 Trans (583) Exp (564) Equi (621)

            Comment

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