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Post CH 7 Discharge

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Anonymous
Not applicable

Post CH 7 Discharge

I want to tell anyone that is post discharge to order your EX, EQ,and TU reports dispute every last acoount that was included in the BK. I sent all three bureaus my disputes and I am awaiting replies. I did include my discharge with the disputes. This will hopefully give my scores a boost having all/some of that negative info removed. I will keep everyone posted as I hear back. I was feeling pretty down after my JCP denial. However, I think this will help me once I apply for CC's after my reports are up to date. I hope this will get me better situated to apply for better cards and rates. There is life after CH 7. It's one day at a time. Smiley Wink

Message 1 of 8
7 REPLIES 7
Scupra
Super Contributor

Re: Post CH 7 Discharge

What exactly are you disputing?

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 2 of 8
TRC_WA
Senior Contributor

Re: Post CH 7 Discharge

Disputing valid accounts?
FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 3 of 8
Anonymous
Not applicable

Re: Post CH 7 Discharge

Any accounts that were included in BK and showing $0 balances. I also noticed that there were current accounts not correctly reporting.

Message 4 of 8
Anonymous
Not applicable

Re: Post CH 7 Discharge

Yes. if not reporting accurately.

Message 5 of 8
TRC_WA
Senior Contributor

Re: Post CH 7 Discharge

IIB with a $0 balance is correct reporting.
FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 6 of 8
Scupra
Super Contributor

Re: Post CH 7 Discharge

Sounds like we need a bit more info on what exactly it is that you are disputing. Good luck!

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 7 of 8
ezdriver
Senior Contributor

Re: Post CH 7 Discharge


@Anonymous wrote:

I want to tell anyone that is post discharge to order your EX, EQ,and TU reports dispute every last acoount that was included in the BK. I sent all three bureaus my disputes and I am awaiting replies. I did include my discharge with the disputes. This will hopefully give my scores a boost having all/some of that negative info removed. I will keep everyone posted as I hear back. I was feeling pretty down after my JCP denial. However, I think this will help me once I apply for CC's after my reports are up to date. I hope this will get me better situated to apply for better cards and rates. There is life after CH 7. It's one day at a time. Smiley Wink


Huh? You can remove HISTORY by disputing reporting by credit bureaus. That is a new one for me. Let us know how that works out for you.

 

IIB and $0 balance is correct reporting for tradelines included in your bankruptcy petition.

 

 

 

 

Message 8 of 8
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