Credit Cards Center Credit cards from our partners
Reply
Member
Posts: 12
Registered: ‎09-26-2012
0

Removing items from Credit Report after Bankruptcy

Hello again. I just received a discharge after filing Chapter 7 today.

 

My current Credit Score is 549, and it's showing a lot of negative items. Some accounts say "included in Chapter 7" and some say "Bad debt/collection". Is this normal? Why doesn't it all show as included in Chapter 7?

 

I would like to try and remove some of the negative items. Does anyone have experience disputing items from Credit Report after Bankruptcy? Please advice

 

Thank you.

 

Highlighted
Frequent Contributor
Posts: 309
Registered: ‎04-04-2012
0

Re: Removing items from Credit Report after Bankruptcy


conceptmat wrote:

Hello again. I just received a discharge after filing Chapter 7 today.

 

My current Credit Score is 549, and it's showing a lot of negative items. Some accounts say "included in Chapter 7" and some say "Bad debt/collection". Is this normal? Why doesn't it all show as included in Chapter 7?

 

I would like to try and remove some of the negative items. Does anyone have experience disputing items from Credit Report after Bankruptcy? Please advice

 

Thank you.

 


You're going to see lots of nasty things for a while.  I would give it at least 30 days for the things that show as bad debt to show that they were included in bankruptcy.

 

Congratulations on your discharge and happy rebuilding! 

 

Member
Posts: 12
Registered: ‎09-26-2012
0

Re: Removing items from Credit Report after Bankruptcy

Thank you for your comment. I am looking forward to it. 

Regular Contributor
Posts: 233
Registered: ‎10-03-2009
0

Re: Removing items from Credit Report after Bankruptcy

Hello-

 

Yes I filed in April 2011. I pulled my credit report in March 2012 and found out all accounts where not showing "included in the bankruptcy. I disputed them all and this was the outcome.

 

Equifax: 523 March 2011

                643 October 2012

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Frequent Contributor
Posts: 256
Registered: ‎09-04-2012
0

Re: Removing items from Credit Report after Bankruptcy

Congratulations on your discharge.  I waited a month to let my bankruptcy to show up on my credit reports.  I'm still working on cleaning up my credit reports. 

Regular Contributor
Posts: 233
Registered: ‎10-03-2009
0

Re: Removing items from Credit Report after Bankruptcy

I hope everything works out for you.

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.