Who do i contact about included in Bankruptcy..zero balance.Is it the credit reporting agencys job to do this or is it the original creditors job to do this..I should have my discharge at the end of June and want to be on the ball the day of my discharge...Thanks for any help that can be provided..
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Dispute to the agencies first, and any accounts that come back verified without being corrected, you may have to contact the original creditor and inform them its being reported incorrectly. -
included in bk
Yes, the first thing you want to do is get access to your credit reports after discharged. If not listed as included in bk/discharged in bk, be sure to dispute any items. Otherwise, your payments will show balances which you do not want to happen. Of course, if after the dispute (generally 30-45 days) after investigation, you will get an updated credit report from each agency. If anything comes back verified, I would send documentation that your bk was discharged to the creditors and the credit reporting agencies. (REMEMBER THAT THIS IS ONLY PERSONAL ADVISE!)
In my particular situatio, after my bk was discharged, some of my creditors still reported my payments as late (which is illegal). Also, high balances still showed until I finally accessed my credit reports and disputed the information. Now, all three credit reports show included/discharged in bk and no payment history is visible within the last 81 months.
Of course, we all expereince BK differently.Comment
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