Morning (or afternoon)
I filed chap 7 on 2/29 and it was discharged on 6/2. My my scores as of 7/15 were 606 EX/588EQ/ 580 TU. I think my report has finally settled down and all of my creditors now show a zero balance and are noted as included in bankruptcy. I don’t want another credit card if I can avoid it. There are still some medical trying to collect here but most have responded to a curtesy faxing of the discharge notice.
Now I have to hammer on what exactly is reported. It seems that each agency reports differently or how you are viewing the report it looks different. Is is best to just purchase a paper copy of your report directly from the reporting agency ? When would be the optimal time to do that ?
For example
All of the accounts have the current balance as $0 but the payment status varies
Using Equifax’s credit monitoring service
My Experian reports
Account Status: Closed
Payment Status: Paid
Payment Status Details: Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12
Whereas Equifax show it as
Account Status Closed
Payment Status Late
Payment Status Details INCLUDED IN BANKRUPTCY
If I look at my report using credit Karma for example for that same account
Account Status Closed
Payment Status Included in Bankruptcy
Most of the accounts still show late payments leading up to my filing regardless of the service I use to view it. I have already disputed entried with Equifax on the phone and they were saying that the report was not updated properly and didnt reflect the discharge. They deleted the accounts included in the bankruptsy (I have not yet see how that affects my score.
