I'm not sure if I should put this in the Chapter 7 forum or here, so, since this is technically a "cleariing up the credit reports" question, I will try here.
I was discharged from Chapter 7 a couple weeks ago. In October, while preparing for the filing, I pulled all 3 of my credit reports. My attorney reviewed these reports as well.
Yesterday, I pulled my Experian just to check it out and see what I'm dealing with, post-BK. My new report now reflects a new tradeline with a $92 collections balance. This was added in October according to the report; presumably on a date after I pulled my reports in October, since it wasn't on my October reports.
I know what the debt is -- it's an old electric bill balance from 2007. I have multiple issues with this:
the electricity was in my ex-husband's name, and it's supposedly paid. He vacated the apartment and I continued to pay the bill, until I moved back to Tampa and went back to a different electric company. I had forgotten about the last bill, lol, so my ex called me saying I had a leftover balance. So, I transferred the $92 to him, and he says he paid it. (I 99% trust him on that.) Regardless, tho... it wasn't in my name to begin with, so why is it suddenly on my reports?! Also, the electric service was turned off in March of 2008, so why would it not show on my credit until October 2008?!
In addition, I was under the impression that ALL unsecured debt is wiped out by my chapter 7, regardless of whether I included the creditor/CA on my matrix. I disputed it thru Experian as "not mine," and surprise surprise, it came back verified.
What should I do? Should I just send them my discharge papers and tell them to mark it IIB? Or should I try the whole "verify the debt" tactic?
I was discharged from Chapter 7 a couple weeks ago. In October, while preparing for the filing, I pulled all 3 of my credit reports. My attorney reviewed these reports as well.
Yesterday, I pulled my Experian just to check it out and see what I'm dealing with, post-BK. My new report now reflects a new tradeline with a $92 collections balance. This was added in October according to the report; presumably on a date after I pulled my reports in October, since it wasn't on my October reports.
I know what the debt is -- it's an old electric bill balance from 2007. I have multiple issues with this:
the electricity was in my ex-husband's name, and it's supposedly paid. He vacated the apartment and I continued to pay the bill, until I moved back to Tampa and went back to a different electric company. I had forgotten about the last bill, lol, so my ex called me saying I had a leftover balance. So, I transferred the $92 to him, and he says he paid it. (I 99% trust him on that.) Regardless, tho... it wasn't in my name to begin with, so why is it suddenly on my reports?! Also, the electric service was turned off in March of 2008, so why would it not show on my credit until October 2008?!
In addition, I was under the impression that ALL unsecured debt is wiped out by my chapter 7, regardless of whether I included the creditor/CA on my matrix. I disputed it thru Experian as "not mine," and surprise surprise, it came back verified.
What should I do? Should I just send them my discharge papers and tell them to mark it IIB? Or should I try the whole "verify the debt" tactic?
) of your bk discharge papers. In almost all states, even debts left off the original creditor matrix during filing are considered discharged as well. 
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