topic Re: Removing items from Credit Report after Bankruptcy in Bankruptcy

Removing items from Credit Report after Bankruptcy

conceptmat — Tue, 02 Oct 2012 22:27:36 GMT

Hello again. I just received a discharge after filing Chapter 7 today.

My current Credit Score is 549, and it's showing a lot of negative items. Some accounts say "included in Chapter 7" and some say "Bad debt/collection". Is this normal? Why doesn't it all show as included in Chapter 7?

I would like to try and remove some of the negative items. Does anyone have experience disputing items from Credit Report after Bankruptcy? Please advice

Thank you.

Re: Removing items from Credit Report after Bankruptcy

fuzzybean — Wed, 03 Oct 2012 17:54:24 GMT

conceptmat wrote:
Hello again. I just received a discharge after filing Chapter 7 today.

My current Credit Score is 549, and it's showing a lot of negative items. Some accounts say "included in Chapter 7" and some say "Bad debt/collection". Is this normal? Why doesn't it all show as included in Chapter 7?

I would like to try and remove some of the negative items. Does anyone have experience disputing items from Credit Report after Bankruptcy? Please advice

Thank you.

You're going to see lots of nasty things for a while. I would give it at least 30 days for the things that show as bad debt to show that they were included in bankruptcy.

Congratulations on your discharge and happy rebuilding!

Re: Removing items from Credit Report after Bankruptcy

conceptmat — Thu, 04 Oct 2012 22:33:29 GMT

Thank you for your comment. I am looking forward to it.

Re: Removing items from Credit Report after Bankruptcy

Unique620 — Fri, 12 Oct 2012 16:49:33 GMT

Hello-

Yes I filed in April 2011. I pulled my credit report in March 2012 and found out all accounts where not showing "included in the bankruptcy. I disputed them all and this was the outcome.

Equifax: 523 March 2011

643 October 2012

Re: Removing items from Credit Report after Bankruptcy

Guyatthebeach — Fri, 12 Oct 2012 23:45:27 GMT

Congratulations on your discharge. I waited a month to let my bankruptcy to show up on my credit reports. I'm still working on cleaning up my credit reports.

Re: Removing items from Credit Report after Bankruptcy

Unique620 — Tue, 16 Oct 2012 15:05:26 GMT

I hope everything works out for you.