Hey guys,
Filed for chapter 7 in Sept'19, discharged Dec'19 in California.
I have since disputed all wrong information post bankrupty (following instructions in below link - with cover letters, table of contents, doc describing how its being reported and how it should, etc - very meticulous and organized). I only got one dispute result letter back, the others arrived at someones elses mailbox (USPS sends you scans of incoming mail and I never got 2 of the 3). But 30+ days post receipt (I sent cerfied mail) I pulled my credit report... unfortunately one account which was discharged in the bankruptcy is still listed as a collections account even though status says "discharged in bankruptcy" or "in bankruptcy". My question is should this no longer be reported as collections at all? I thought per bankruptcy laws debts discharged in the bankruptcy can not be reported as collections - is this not true? See below myfico lists it under "collections".
Is my understanding wrong? If it's not, I will apply for credit and redispute and if get denied for credit I will consult a lawyer.
Lawyer website which I followed instructions from: https://www.bondnbotes.com/2015/12/28/fix-credit-report-after-bankruptcy/
Screenshot of report:
Anything negative before the file date of a BK stays the same. Only difference it has to say $0 balance and IIB. Past negs dont go poof because you filed. Just the balance for the debt is wiped out. When the fall off date comes. Thats when it will no longer affect your scores.
