Cleaning Credit Report/ After Bankruptcy

[Anonymous]

I am seeking some general information regarding the activity of legally cleaning up your credit report after the filing of bankruptcy. 

For example I have filed bankruptcy over a year ago, but some accounts still show up with a balance that should have been cleared with the bankruptcy release.  It would seem that negative scenario is a double hit with FICO points with it appearing as a dollar debt as well as the negative of the bankruptcy itself.  Can I dispute these individual accounts should be removed or balanced to zero since they fall under the Bankruptcy laws. 

Also on some accounts that list as charge off, should they be listed under the bankruptcy description or removed from the credit report because of the Bankruptcy already covering this report.  Also if the account is covered under Bankruptcy, should the late reports or missed payments be challenged.

Also I have notice that former Collection Agencies are still listed under collections, when these accounts have already been relieved via the bankruptcy laws. 

If anyone has any opinions on these areas please let me know.

Thanks

[Anonymous]

Dispute them all on line with each of the Credit reportinga agencies  as "discharged in BK"   You should have the results you are looking for in about 30 days.

[Anonymous]

Do you know if by disputing all of these items at once will allow the credit agencies to assume that it is a frivolous inquire.  I have read some where that it is better to only dispute a few items at a time, but that would take a life time it seems.

Thanks for your original reply!

[Anonymous]

I think you'll be ok since they are all related to the BK.   I had to dispute all my student loans and the CA involved after I consolidated them with Direct Loans, for improper balances and unupdated  status.  and that was alot.   Around 11 items, and I didn't get any problems, so give it a shot.

[Anonymous]

I am in the same situation.  I have not gotten most of the account balanced out to zero, but it has taken some time & numerous disputes.  My latest and final one is with dell.  We orginally owed them $1200.00 and when I disputed it they changed the balance to $900.00  They were paid 20% of the balance through the court and they only credited that amount to the balance instead of acknowleding the balance is zero as it has now been discharged and they were included in the bk.  It is an annoying and time consuming process.  I am just so bothered, by the entire process.  We had to file bk, because my daughter had RSV when she was born.  We had credit in the high 700's.  I went looking for a car yesterday, got approved, but they treat us so differently now that our credit stinks.  They really should consider that some people had no choice and just got some bad luck.  Oh well, good luck to you getting everything cleaned up.  Be patient it will get there.