Hello,
I filed CH13 in June 2009 and it was discharged in Dec 2014. I have several accounts that are reporting incorrect dates that I filed. Things like Included in bankrupcty Nov .. 2014. Does this mean that they are reporting that I just filed BK in Nov 2014? For this paritcular account I know that is the last date the Trustee sent the last payment paying off that account. Again, there are several accounts that say a totally different date then the date I filed that says "included in bankruptcy" with an "updated 1/2015". I know I should be making sure that they all say 0 balance owed. A lot of these are on Experian and Equifax.
Can I get some clarity from someone. Thanks in advance.
As long as they say IIB with a $0 balance you are fine.
They should fall off your report 7 years from your filing date... if they don't, dispute them. What does the credit report say regarding "date this item is expected to be removed?"
I filed April 2009 and mine is due to fall off April 2016... yours June 2016. TU will remove items up to 6 months early... EQ/EX up to 3 months early. When you reach those dates you can ask for early deletion.
Good luck with the rebuild... any questions let me know.
First thank you so much for your response.
Yes they are due to fall off in June 2016 so I guess I am just in a waiting game. I am trying to just make sure all of it is accurate and reporting correctly now and then start to rebuild as much as I can. I did get approved for a Discover IT card and amazingly I could not get one of those before I had hardship and had to file.
Thanks again and I am sure I will have more questions