When is the best time to start working on credit report

[NOMOREBADCREDIT]

I just on filed ch 7 8/14/07.Sould i start working on my credit reports or wait till bk is discharge.

[JRScott]

I'd wait until after Discharge if I was you.

[marzipan13]

i've started before my discharge... i signed up for truecredit.com, which is 3 credit bureau report with credit alerts. it costs $14.95 per month. any creditor that wasn't updated as "included in bankruptcy" i disputed to each bureau. to dispute, you can go to each bureau's website separately and dispute online.

many discrepencies on my reports have been updated.

[NOMOREBADCREDIT]

i've started before my discharge... i signed up for truecredit.com, which is 3 credit bureau report with credit alerts. it costs $14.95 per month. any creditor that wasn't updated as "included in bankruptcy" i disputed to each bureau. to dispute, you can go to each bureau's website separately and dispute online.

many discrepencies on my reports have been updated.

i see your in maryland also did you go downtown for youre 341 meeting how was the meeting i ask this because mines is next month. also how did you note the disputes on youre credit report.

[BassBoy]

Also how did you note the disputes on youre credit report.

You note your disputes as Included In Bankruptcy. When you begin your clean up, the Included In Bankruptcy will be an option to choose as your reason for disputing.

[NOMOREBADCREDIT]

Thanks everyone

[biotechsolution]

I would start a couple weeks before your discharge date

I think some creditors will not change the status until they see the discharge but I started a few weeks before discharge.

My bk was in baltimore also, they were pretty quick. Filed march 21, discharged and closed same day june 26.

[biotechsolution]

who is your trustee?

I hear Richard Kremen(?) is a pretty tough one.

[NOMOREBADCREDIT]

I hear Richard Kremen(?) is a pretty tough one.

NOT HIM.who was youre trustee

[nicole38]

I'm filing in maryland as well.What lawyer did you use and what were their fees.I'm still shopping around for attorneys?

[NOMOREBADCREDIT]

I'm filing in maryland as well.What lawyer did you use and what were their fees.I'm still shopping around for attorneys?

I filed pro se.

[NOMOREBADCREDIT]

You note your disputes as Included In Bankruptcy. When you begin your clean up, the Included In Bankruptcy will be an option to choose as your reason for disputing.

souldnt i dispute items so i can get the taken off my credit report.

[Boscoe]

No more, I would wait another week and then pull your credit reports. Reason being is that you only filed 30 days ago, and probably not all the updates will be in there yet. It will be easier to clean up if you have all or most of the changes made. Mine were all in by around Day 35-40.

Let us know if you have anything wrong and what it is....usually something reported as a chargeoff that is included in the BK, or showing a balance when it should show $0, etc.

[Misha707]

I have one that is reporting on all 3 bureaus as late 30 days (as of Sept), closed, with a balance and past due amount. I've disputed, and they verify it. Obviously that's incorrect. They actually sent me a letter stating that they were closing my account because of my Ch 7 filing, but that I still owed them until it's paid off.

This is a large company, obviously something's fishy with this. Any ideas on how to get this fixed? I was going to wait until after my discharge and see what they do then. Then if they don't fix it, call them directly. If this is the correct way to deal with this, what do I say to them when I do call?

I hate calling creditors.

Right now, my credit scores are higher than before I filed, and all the other companies are reporting at least mostly correctly.

[Boscoe]

You can either call the creditor, or wait until your discharge and dispute it again with that reason or send a copy of your discharge letter along with your dispute. If it is has been discharged, they CANNOT report a balance.