Another quick bk question

Anonymous · ‎05-01-2015

I pulled my credit reports from this site. Some of my accounts say chapter 7 petition. Some say discharged in chapter 7. They all show closed account with 0 balance. Is that something I should dispute or is it fine the way it is?

TRC_WA · ‎05-01-2015

You're fine.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎05-01-2015

Good to know. Thank you!

ezdriver · ‎05-01-2015

@Anonymous wrote:
I pulled my credit reports from this site. Some of my accounts say chapter 7 petition. Some say discharged in chapter 7. They all show closed account with 0 balance. Is that something I should dispute or is it fine the way it is?

So where are you in the process? Filed? Discharged?

Anonymous · ‎05-01-2015

Discharged 4/9

ezdriver · ‎05-02-2015

@Anonymous wrote:
Discharged 4/9

I'd wait until the middle of May and then pull all three credit reports from annualcreditreport.com for review and verification of accurate reporting. Your credit has already taken the hit for the bankruptcy so I'd recommend that you look ahead and work towards adding some new tradelines and building positive payment histories to offset the negative. That's how I rebuilt my credit profile after my own ch7 discharge in 4/2013.