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So I was just discharged on 7/25. I was told to make sure all my accounts show dischatged on my report.
Is it too soon for them to show discharged?
I just signed up with a Transunion report. Under accounts and in the status column, one says 30 days past due, many say paid or paying as agreed, and the rest which i think most should be dischaged say unrated. Is this the equivalent of discharged?
Just want to make sure everything is good as I try to somehow get my miserable credit score to move up to a decent score.
If I were you I would go to each CB site, and you can view your credit for free if you're disputing your items on the credit report. That's what I did before I was DC since I didn't want to have to wait around for everyone to update everything, since most of the time they're lazy or want to argue "it's being reported correctly". What I would do is if your BK is DC upload the docs showing the list of creditors to your computer, so you can then upload it to each credit bureau when you do the dispute. You should dispute each item that was included in your BK to report "included in CK chapter _ and should reflect a zero balance". If anything was already a charge off prior to your filing, then that would be correct and it would stay listed as a charge off, but should say included in BK, same goes for any late reportings. If you were late prior to filing bk then it would stay reported as late. The disute process can take up to 30 days to compelte. So far mine are all going well, except for Capital One wants to argue that they don't need to update it since it's reporting correctly and have it listed as an open trade with current payments being made even while i'm in BK and haven't paid them anything. SO I have to re report the dispute against them, and I'm making sure to send in my documentation showing they are an included creditor.