There have been so many questions about charge offs, etc, I just want to write a little bit.
First of all, anything that is included in bankruptcy MUST say that on the credit report. NO MATTER WHAT.
There should NEVER be a "charge off" or a balance showing. It should always always always say $00.00 balance Included in Chapter 7 bankrutpcy. For them to report otherwise is against the law.
I started disputing the DAY of my discharge. MOST of my creditors had already properly reported my accounts in Chapter 7. Those that didn't I got on the ball with and made them report accurrately.
Just remember this: it is against the law to put false or misleading information on a credit report. Creditors CAN and have been held liable in courts for falsely supplying misleading and false information to the credit bureaus.
Hope this helps!
First of all, anything that is included in bankruptcy MUST say that on the credit report. NO MATTER WHAT.
There should NEVER be a "charge off" or a balance showing. It should always always always say $00.00 balance Included in Chapter 7 bankrutpcy. For them to report otherwise is against the law.
I started disputing the DAY of my discharge. MOST of my creditors had already properly reported my accounts in Chapter 7. Those that didn't I got on the ball with and made them report accurrately.
Just remember this: it is against the law to put false or misleading information on a credit report. Creditors CAN and have been held liable in courts for falsely supplying misleading and false information to the credit bureaus.
Hope this helps!
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