Alright to start fixing credit?

[Intoodeep80]

Im not discharged yet, my 60 day mark will be 3-29-09.

I did subscribe to the service through experian, where you get your 3 credit reports and scores live, unlimited, as long as you pay the $24/mo. fee.

So I go on there, there are 2 collection actions that are active, that have been included in my petition and are counted as "negative accounts".

Is it alright for me to call these companies and tell them they need to update their file with my bk information so it will be removed, or updated on my credit report?

Im trying to do everything I can to rebuild and make it easier on myself. I just dont want to violate the automatic stay on my part or anything by calling them before discharge....

[StartingOver08]

Wait until you are discharged so you can send the discharge order if required

[cindywho]

Intoodeep80, I went to experians website and cannot find a unlimited plan for all three reports for $24/a month. I have 30 more days till discharge and would like to start cleaning things up. If you have anymore info please share. thanx

[Logan]

If you belong to Costco then use Identity guard. It's 8 bucks a month and you get all 3 credit reports and scores every month.

[cindywho]

thanx, I don't but will research more.

[Flamingo]

What works best for anyone out of BK is to wait until at least 3 months past discharge to give the creditors time to update your information. Trying to clean up prior to that time will result in mistakes later and will take much longer for results. Also, there is no reason to spend money out of pocket to obtain reports when you can get them once a year for free at annualcreditreport.com and clean them up. Stay away from credit repair places as most are a scam and you can do the exact same thing yourself for nothing. They work on folks right out of BK because they know everyone is anxoius to get things done and will pay anything to clear up their credit which, really, only time can do.