@predeshiabrown wrote:
Hi all- This is my first post so bear with me. I filed chapter 7 June 2013. I am in the process of purchasing a home and noticed one of accounts listed as included in bk was actually not one included. It was an account that I paid as soon as I found out about it even though it was charged off. Is it better for me to leave it included in bk or dispute it to have it show PIF charge off? I also have another account that was included in my bk but it's not reporting that way. It's just showing a 0 balance no negative mark. Should I leave it the way it is? Every time I dispute something it seems to lower my score even if nothing majorly changes so I'm not sure if I should.
As long as it is showing a $0 bal and IIBK I would leave it alone. You don't want your score to change while you are purchasing your home 