Hello all!
I've definitely been a longtime lurker on these forums. (Everyone's advice and own experiences have been so helpful) We filed Chapter 13 in Oct 2013 and it's nearly completed. My husbands car has long since been on its last legs/tires so, in preparation for the discharge, I've been a busy bee cleaning up our credit reports while we wait for discharge papers. Ironically, my credit reports (all 3 bureas) were reporting pretty accurately with one or two minor discrepancies which have been fixed. My husbands CR however, was....... What could only be described as a freaking mess. Wrong accounts, wrong amounts, wrong account notations. I've contested ALL of them. Transunion was quick to knock them out, updated them perfectly. His TU jumped to 703. Equifax however...... Was where most of the discrepancies were. Some of the items contested have been knocked out. (Still waiting the 20-30 days for the rest) EQ shows his current score as 603. That seems sort of lopsided in comparison to TU and I guess I was wondering if a few accounts on EQ show a "past due" amount, does that effect his score THAT much??
Any pointers or advice is greatly appreciated!
