Our discharge was 10/07. I've noticed on our credit reports half of the creditors are still reporting on discharged accounts as recently as June, 2010. The status is listed as Included In Bankruptcy or chapter 7 bankruptcy, but report dates are June 2010 and March 2009. Plus, balances are blank instead...

Well, my CH7 discharged two days ago - on 10/20/10. I guess it is time to pull the credit reports, assess the situation and begin getting things corrected. I'm going to use this thread as a log of our efforts. Hopefully it will help somebody along the way.

Background:
Prior...

So, I purchased a myfico to see how my scores are fairing.

My current TU is 622 and my Equifax is 657 which is fine. I know it takes time to rebuild. But, I was investigating why my TU was much lower than my EQ.

It appears that under "Understanding Your Score" under...

filed bk in july
equifax report shows all accts iib except a credit card from credit one bank. it still has a balance of 599.00 and shows as a chargeoff
i have disputed twice thru equifax...what is my next step?
also a judgement that was rendered in june didnt show up on my credit...

I was discharged from my BK last March (09). However, Trans Union is still updating various trade lines and showing them as 30 day late payments. I spoke to each of the creditors- and not one of them is showing late. The only thing I can figure out is that the status of the trade line is updating- which...

Do you think it would be beneficial (or even make sense to) pay off a charge off that occurred before I filed for bankruptcy?

I tried my luck at disputing it with the bureaus as IIB, but it came back as verified.

How long can furnishers of credit report "included in bankruptcy","discharged in bankruptcy" or similar tradelines for pre-petition debt SEPARATELY from the bankruptcy itself to the credit bureaus? I filed Chapter 7 on 5/18/10,discharged on 8/18/10 and closed on 9/2/10?

Hey Guys!

I was curious, I have dedicated alot of time to cleaning up my credit report after my bankruptcy. I had a ton of inquiries on all three of my credit reports. I wrote and disputed all of the inquiries and accounts with the three bureaus. TransUnion and Experian have removed...

I just found out that BofA just reopened my online access and will report my payments to the CRA's....I hope. They don't reaffirm, so I have just been riding the bus and waiting. My "debt" scores are all over the place 635, 629 and 700.....go figure. I understand that a good mix of credit,...

I had roughly $30,000 in debt. I choose not to file for bankruptcy just personal choice, I instead got a part time job and started saving and negotiated a pay off amount with almost all of me creditors just one left who actually got a judgment on me. I am saving money to call them up and try to settle...

We haven't even had our 341 yet (see my signature line) and already our shredder has had to be emptied because of credit card and auto loan solicitations. We are in the middle of an active BK, what gives? The gamut of cards has run through our household already, all except cap. one and first premier...

Anyone had any success right after bankruptcy? All else fails I'll just wait 6 months. I've got my Cap One a few days after bk. All the other cards charge too many fees.

I was discharged from my chapter 13 almost 2 years ago. It will be 7 year from filing next June, and all the bad debt that was discharged will also be off the credit report at the same time. All that will be left on credit report is good debt like house, general bills. So what kind of interest rate...

I disputed all of my creditors who were not reporting $0 balance on my included in BK accounts and got my report back via mail today with supposed results.

None of the lenders changed the blank status in the balance field. I read here that this could be affecting my score and ability...

I have several credit cards...but I only have balances on 4 of them which will be in my bankruptcy when I file. Is it possible to keep the cards I don't owe a balance to? Some of them are the same bank as ones I will be including in ch 7...but HSBC for example, I do not owe them anything and I have...