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cleaning up after ch7


startingagain
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My chapter 7 discharge was a year ago and everyone of my cc are reporting CO/bankruptcy which is not true. 1 or 2 may have been close but I honestly don't think any were actually CO at the time of filing. So I have been disputing and they are changing! I have got a couple of deletes but most have changed to never late, 30 day late or 60 day late. This does improve my score a tiny bit correct? I pulled FICO in Feb and am trying to wait until the end of June to pull again because I am sending off another round of disputes Monday.

Second part of my question: almost all of the cc are reporting the wrong day for bk. It ranges from about a year before filing to a year after. 2 are reporting bk filed about a year before I actually did (reporting different dates, not the same) and never late. I am wondering if I should dispute them or just leave them alone. I feel if I dispute again they may change to the correct info and I would be worse off. If I send a FCRA section 623 letter the the OC do they HAVE TO delete if they are reporting wrong info or can they simply correct? I do have a couple of those letters out to the OC reporting I filed this year but so far no results.

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If anything on your CR's is being reported incorrectly, you should dispute it. And based upon my personal experience with cleaning up after Ch7, I would dispute that information. I, too, had people reporting my BK within a 2-year timeframe before and after my actual date...So I looked at it, realized that it was totally incorrect, and pushed forward from there. When you send out a 623 request, the data furnishers do have the option of correcting the information. If you send them the request and they fail to respond and/or correct the information, that's when you can push for a delete. ;)

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