08-16-2012 06:28 AM
Be sure you have copies of your credit reports. Otherwise there's not much you can (or IMHO should) do before discharge.
You want the credit reports to deal with behavior post discharge, I had some creditors take closed accounts and recast them as IIB which makes them negative. Because I could prove how they reported before filing I was able to get them to report correctly, without proof I don't know what success I would have had.
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