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Credit reporting before,during and after BK7


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No, it's not right. If it's been 4 months since your discharge, then most, if not all creditors should have had time to update to show the bankruptcy. They should be reporting as IIB, zero balances, and no derogs after your filing date. There can be no negative reporting AFTER you file BK.

Now, if the old accounts were charged-off and sold before you filed, they probably won't update, since the next CA or JDB in line would be the one required to update.

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