Established Member
Posts: 13
Registered: ‎09-26-2012
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.

 

Frequent Contributor
Posts: 326
Registered: ‎04-04-2012
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! 

 

Established Member
Posts: 13
Registered: ‎09-26-2012
Re: Removing items from Credit Report after Bankruptcy

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

New Visitor
Posts: 249
Registered: ‎10-03-2009
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

MCU $500 I Capital One $750 I Starting Score 07/2016: TU 619 I EX 631 I EQ 592 I Current Score: Same I Goal Score:660

Frequent Contributor
Posts: 514
Registered: ‎09-04-2012
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. 

New Visitor
Posts: 249
Registered: ‎10-03-2009
Re: Removing items from Credit Report after Bankruptcy

I hope everything works out for you.

MCU $500 I Capital One $750 I Starting Score 07/2016: TU 619 I EX 631 I EQ 592 I Current Score: Same I Goal Score:660