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How accounts should read after bankruptcy?

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alep11



Joined: 10 Apr 2008
alep11's page
Posts: 1



48 Magic Points

Subject: How accounts should read after bankruptcy?
 
Posted on Thu Apr 10, 2008 5:13 pm  

Hi everyone. Can anyone please tell me how my accounts should appear on my credit report after bankruptcy discharge? All these accounts were inclueded on the bankruptcy but some of them say derrogatory, is that normal?thanks in advance.
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36452 Magic Points

 
Posted on Fri Apr 11, 2008 5:17 am  

Hi Alep,

Frankly speaking it is 90% times that your credit report shows wrong information after a bankruptcy discharge. In your case the same thing has happened. After bankruptcy discharge all the accounts included in the BK should show "included in bankruptcy" and a $0.00 account balance.

What you need to do now is contact the creditor and request them to make the due changes in your report. Keep updating till they actually do it. CARPE DIEM Smile
_________________
Regards,
Laura.
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Posted on Fri Apr 11, 2008 5:20 pm  

thank you
cbass1017



Joined: 01 Feb 2008
cbass1017's page
Posts: 143
Location: PA


1549 Magic Points

 
Posted on Fri Apr 11, 2008 5:52 pm  

Or you could also just file a credit dispute including your bankruptcy discharge and the declaration page that shows the debts as being included in the bankruptcy. Sometimes the credit bureaus themselves are easier to work with than dealing directly with your creditors. Atleast with the credit dispute you know the problem will be resolved within 30 days from the date the credit bureaus recieved your dispute.
_________________
Scott McKay
FreeOnlineCreditGuide.com
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36452 Magic Points

 
Posted on Sat Apr 12, 2008 6:24 am  

Right, I forgot mentioning that part. Disputing is easier. Smile
_________________
Regards,
Laura.

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