Dispute before filing?

[ANGEL99]

I am getting ready to file no asset Ch7 in the next few weeks. Is there any strategy to disputing items on your report right before filing in hopes they get removed? Also, I read earlier today that someone disputed the day after discharge. Not sure which would be better or if it matters? Or just wait until 30 days after discharge?

[Jnbmom]

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@ANGEL99 wrote:

I am getting ready to file no asset Ch7 in the next few weeks. Is there any strategy to disputing items on your report right before filing in hopes they get removed? Also, I read earlier today that someone disputed the day after discharge. Not sure which would be better or if it matters? Or just wait until 30 days after discharge?

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I would wait until your BK has been filed and your discharge granted, then you can begin the rebuilding.

[ANGEL99]

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@Jnbmom wrote:

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@ANGEL99 wrote:

I am getting ready to file no asset Ch7 in the next few weeks. Is there any strategy to disputing items on your report right before filing in hopes they get removed? Also, I read earlier today that someone disputed the day after discharge. Not sure which would be better or if it matters? Or just wait until 30 days after discharge?

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I would wait until your BK has been filed and your discharge granted, then you can begin the rebuilding.

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Thanks. Yes, that was my plan. Just thinking if there were ways to better time things and be a little proactive. 

[FireMedic1]

All your accounts will end up with IIB and 0 balance. And the BK will rule the ding over past negs to your credit anyway.