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After discharge credit report errors

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  • forgotten
    replied
    The accounts will still be negative items, but they should be listed as Included In Bankruptcy (IIB) with a $0 amount due. You just need to dispute each item and let them know either the account is not yours or that it was IIB, whichever the case may be. No need to submit any type of documentaion unless they come back and claim the information is correct when it is not. You can dispute online with all 3 of the major credit reporting agencies.

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  • memuzz
    started a topic After discharge credit report errors

    After discharge credit report errors

    My case was discharged in July 2012. My attorney advised me to check for errors on my credit report after the discharge was granted.
    I found debts that were claims on my case still listed as negative items on my credit report that have been discharged by the court. Also, I have found major
    errors on my report that are lowering my credit score. We do not have any current collection accounts and have not had any since we filed in 2006.
    The negative debts are from 2006 and prior. What is strange is that there is an auto loan which I never signed for purchased a month before we filed. We did buy a car a month before we filed our case but it was from another lender. The auto loan is in the negative files. The open car loan we had before we filed was paid off as a priority claim on my case.

    How do I clean up my credit reports? Do I have to submit documentation to prove that the items were listed as claims on the case?

    Thanks for any help.

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