I filed Ch 13 in 2009 was just discharged in Dec 14 and I am in the process of reviewing and fixing any information that I can. I have had good luck with GW removals before discharge and businesses are updating the information on their own.
I am cleaning up and gardening 
-- new to the terms 
There are 2 issues on Experian
Dell/WB has KD (key derogatory) in the months of BK in monthly 2013 and then PP (payment plan) in Dec 14 but has IIB and discharged in BK in the comments
DFCU (credit) has the same thing. -
I am wondering do I need to dispute those entries because I was in BK and the trustee of course paid the payments or do I just leave it or ask for a GW adjustment for removal. I was thinking that they are not suppose to report it that way if you are already in BK.
Please advise.. any help appreciated
Thx
I have issues like that in my EX file too but the accounts show IIB and discharged in Ch 13 so I leave it alone.
EX is the only one that doesn't delete your payment history when you file BK.
I'd leave it alone till it falls off... the payments the trustee sent don't have anything to do with your monthly statement from the creditor... I'm pretty sure the amount sent was a lot less.
