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Ignore the garbage.
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One thing you haven't factored in is the additional income tax you'll need to pay from the 1099-C forms you'll get from your creditors.
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bobcat10101, determining how much you pay varies; do you think you are anywhere near being in a 100% plan?
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In my case, I was not in a 100% plan, however, 100% of my creditors (or the companies which purchased the debt) filed a claim.
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I don't think my scores went up a single point after my Chapter 13 discharge; in fact, after applying and being approved for a few credit cards, my scores dropped for about 18 months. The real bang in the scoring department happens when your Chapter 13 falls off your credit report (typically 23 months,...
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I would have the financial institutions make the correction and leave it at that. I've had misspellings on my credit reports for literally decades and they haven't hurt a thing.
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Got it; the last thing you want to do is to dispute them, those accounts are helping our AAoA (Average Age of Accounts); when they drop off, your credit scores are likely to suffer.
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For the old accounts, if they are showing negative comments or marks and the DOFD (Date Of First Default) is more than seven years ago, then you can dispute each account with each bureau reporting them and report them as "Too Old". If they are not showing any negatives other than "Closed"...
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I believe the rules have changed, you can get a free credit report weekly:
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Congratulations! Time to start looking forward instead of worrying about the past.
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