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MattP2144
New Contributor
‎06-04-2015 10:36 AM
‎06-04-2015 10:36 AM

Credit Report

Is it normal to not have to dispute anything on your credit report. Almos all of my accounts except one say included in bankruptcy... .The only one that doesn is a credit union. I am 4 days prior to my discharge date so i was thinking it wouldnt hurt to start disputing today but they already all say that except for one. will they change once the discharge comes? 

Message 1 of 5
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TRC_WA
Senior Contributor
‎06-04-2015 10:58 AM
‎06-04-2015 10:58 AM

Re: Credit Report

You're fine.

 

They don't have to report IIB until you are discharged... and you aren't yet.  Once discharged the CU should update like all the rest.

 

Impatient much?  LOL

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
Message 2 of 5
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Scupra
Super Contributor
‎06-04-2015 10:58 AM
‎06-04-2015 10:58 AM

Re: Credit Report

@MattP2144 wrote:

Is it normal to not have to dispute anything on your credit report. Almos all of my accounts except one say included in bankruptcy... .The only one that doesn is a credit union. I am 4 days prior to my discharge date so i was thinking it wouldnt hurt to start disputing today but they already all say that except for one. will they change once the discharge comes? 

I only had to submit disputes on a couple accounts. Congrats on your discharge coming up! Now the fun begins Smiley Very Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 3 of 5
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TRC_WA
Senior Contributor
‎06-04-2015 10:59 AM
‎06-04-2015 10:59 AM

Re: Credit Report

I think this guy is stalking me... we seem to post at the same time.  ^

 

Smiley Wink

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
Message 4 of 5
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Scupra
Super Contributor
‎06-04-2015 11:00 AM
‎06-04-2015 11:00 AM

Re: Credit Report

@TRC_WA wrote:

I think this guy is stalking me... we seem to post at the same time.  ^

 

Smiley Wink

bahahaha! No joke

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 5 of 5
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