Quick questions

[almost]

I filed bk 3-08. I just looked at the big three CRA I see that my credit scores are not to bad 641 585 621. I also see that some of the CC that were included in the bk do not show that it was closed due to bk. I was going to dispute them to show that they were included in the BK. Will this effect my scores in the negative, make them go down.

Should I write letters or call each cc company and dispute it with them and dispute wth the CRA.

[BK2008]

Having gone round and round with the CRA's, I have called the creditor individually and had them fix whatever ails my reports. THE cra's tend not to be entirely accurate with their reporting, even after you've disputed, there are errors....

Any corrections for 0IIb will probably increase your score, but not tremendously. Only time and responsible use of credit will cure that.

I personally am up around 40 points since I last looked at scores in August 08 a month after my BK discharge)

[krielly]

If they are not showing as closed, charged off, or with a balance owed, I say let sleeping dogs lie. If they are reporting in good standing, leave them be.

K