How long do I wait?

[tired_of_debt]

Yesterday was the last day for objections. I am praying that nothing will stand in the way of discharge and that I can soon join the ranks of Chapter 7 survivors.

How long, however, should I wait to get a copy of all 3 credit reports (i.e., is there a good time frame after/when I receive my discharge to address things that I am certain will be incorrect on my report?) I have a ton of entries from NCO for unpaid medical bills (of note, the deadbeat dad was supposed to have insurance on the kids and did not, which left me holding the bag. Nobody ever tortured his credit report though he was seriously in contempt of court). I have contacted those folks on numerous occasions and they are rude, crude and socially unacceptable. Do I have any legal arm that I can swing at them should they not report those items correctly. At this point, having had to go through this through some pretty horrific circumstances, I am just angry enough to go after them...

[StaciMM]

I would say NOT to wait. Getting the reports cleaned up may not happen with one try. Get all 3 reports, and start writing to the bureaus. If the report lists an account w/ a balance (such as NCO for $499) in your dispute, state that 'I do not have an account with NCO for a balance of $499'. With that method there is a decent chance that some of the accounts will be deleted completely. In round 2, for any accounts that don't get either updated to $0 owed or deleted, then be more specific like 'I owe no balance to NCO because the debt was included in bankrupty'.

[FilingOnMyOwn]

I'd start out with experian right away, you can get free reports online and dispute them directly from their website. As for t/u and equifax, those are going to cost you anything beyond 1 free report per year. So its about what you're willing to spend and how quickly you want to do it. I myself am not applying for new credit anytime soon, so I am holding off 2-3 months to get started on reports that I have to pay for.