Bankruptcy

[conceptmat]

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.

[fuzzybean]

---

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! 

[conceptmat]

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

[Unique620]

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

[Guyatthebeach]

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. 

[Unique620]

I hope everything works out for you.