Is anyone having issues getting accounts updated in equifax and experian after filing for BK. I already had my 314 meeting and I am waiting on my discharge papers. I was able to get some things deleted on my Transunion. But EQ and EX are subborn. Will it be better if I wait until I get my discharge papers? I am trying to get my scores to be somewhat close. But they are all over the place right now. Does anyone have any good tips. I have a old car loan that is reporting repo and late payments they will not update the account to IIB and the balance is wrong.
Starting Score: 514 Current Score: Credit Karma 663 Credit Sesame 611 My Fico 601 Goal Score: 700
I had issues with Honda Finance and a few other CCs, but I included a copy of the schedule of creditors in my online dispute and they updated it. It took a few tries, but it will get there.
Once you obtain your discharge I'd recommend trying to get a mix of credit cards/loans. From what I've seen a good mix is 3 credit cards and some type of installment loan. I filed BK and was added to my fiance's credit card and instantly got a 40 point boost on that 1 card.
