cancel
Showing results for 
Search instead for 
Did you mean: 

Transunion not reporting Ch 7 bankruptcy - should I have them update?

StazzyBoo
Valued Member

Transunion not reporting Ch 7 bankruptcy - should I have them update?

Thanks for taking time to read!

BK discharged 12/19, filed 9/19.

All of my report except for Transunion is reporting bankruptcy as public record. Now all of my accounts are listed status as discharged in bankruptcy, zero balance (except for one account that is still reporting wrong, I am correcting it for second time with MOV as well; it's the only report that is wrong). I don't have any late payment history on that report except for the one still reporting a balance; but I have about 20+ deragatory account status of Account included in bankruptcy. Anyway so I heard mixed things that bankruptcy makes those accounts look less bad and bring up your score, but I also heard that is also because you don't have debt anymore.

So my quesiton is should I have Transunion update to show bankruptcy on public record because you think it would help make those accounts "look better" or do you think it is more likely to hurt me?

Aug 2011: EX: Below 500's EQ: Below 500's TU: Below 500's
April 2013: EX: 561 EQ (myFICO): 606 TU: 614
May 2013: EX: 689 EQ (myFICO): 623 TU: 615
June 2013: EX: 712 EQ (myFICO): 659 TU: 649 EQ Direct: 576

Finished rehab August 2012. Equifax no longer shows any deliquency, Experian has one deliquent account, and Transunion has 2 reporting.
Message 1 of 2
1 REPLY 1
KnightTrader757
Valued Member

Re: Transunion not reporting Ch 7 bankruptcy - should I have them update?

Equifax did not update my file until after discharge.

Message 2 of 2
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.