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Credit report cleanup, when to start?

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    Credit report cleanup, when to start?

    I have to shop for Homeowners Insurance in january because Allstate is dropping us in February because we live by the Gulf Coast and we didn't have another type of policy with them.

    We just filed Ch7 on Oct 2. Our 341 meeting is Oct 29. I'd really like to try and get my score up a little with a good cleanup, removal of old addresses, mispelled names, etc.

    When is the earliest I should start? I'm really worried about finding affordable homeowners insurance again after all of this. Its bad enough we live by the coast and have to get a new policy
    Filed Ch7 - 10/2/07 no asset
    341 Meeting - 10/29/07
    Discharge - March 2008 forgot the date

    #2
    Originally posted by JasonK94Z View Post
    When is the earliest I should start?
    It won't do you any good to start disputing for 60 days or so after filing. It will take that long for the bankruptcy to reliably show up on all your accounts. After that, unless your 341 gets delayed, you should be good to go.
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !

    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

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