Well, my CH7 discharged two days ago - on 10/20/10. I guess it is time to pull the credit reports, assess the situation and begin getting things corrected. I'm going to use this thread as a log of our efforts. Hopefully it will help somebody along the way.
Background:
Prior to the execution of our CH7 plan (yes, we planned it), both of our credit scores were about 700-710 across all three bureaus. We did not have ANY late payments/chargeoffs/etc., on our credit reports. Actually - other than debt-to-income and ratio of debt-to-credit - I guess you can say everything else was perfect. We last paid our CCs in December of 2009 and our mortgages in January of 2010. We were current on everything else (utilities, cars, boat, etc.).
Current:
We were a no asset CH7 and did not reaffirm anything. We discharged CC accounts with 7 lenders (most of them were NOT joint accounts so they will show on 1 of us only), 2 car loans with different lenders, 1 boat loan and 2 mortgages with the same lender.
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So, where do I begin? I pulled credit reports prior to our plan "start" back in January. They were all correct as of then. I thought about ordering all of my plans TODAY but can't see paying for something that I KNOW is wrong. I noticed a few months ago that you can file an online dispute with all 3 bureaus without paying for a report. AND, they show you your report while you are creating your dispute. So, that will work for now I guess.
Trans Union:
When I logged in to do my TU dispute, the first thing I realized is all of the bureaus have different terminology. Most of my discharged accounts list their status as "Unrated". From what I've read, this should say "Included in Bankruptcy". Some accounts have a $0 balance, some are just blank. I'm not sure about the remarks/comments section.
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I'll report back & will probably be asking questions. Comments/help are always appreciated!
-AA
Background:
Prior to the execution of our CH7 plan (yes, we planned it), both of our credit scores were about 700-710 across all three bureaus. We did not have ANY late payments/chargeoffs/etc., on our credit reports. Actually - other than debt-to-income and ratio of debt-to-credit - I guess you can say everything else was perfect. We last paid our CCs in December of 2009 and our mortgages in January of 2010. We were current on everything else (utilities, cars, boat, etc.).
Current:
We were a no asset CH7 and did not reaffirm anything. We discharged CC accounts with 7 lenders (most of them were NOT joint accounts so they will show on 1 of us only), 2 car loans with different lenders, 1 boat loan and 2 mortgages with the same lender.
---
So, where do I begin? I pulled credit reports prior to our plan "start" back in January. They were all correct as of then. I thought about ordering all of my plans TODAY but can't see paying for something that I KNOW is wrong. I noticed a few months ago that you can file an online dispute with all 3 bureaus without paying for a report. AND, they show you your report while you are creating your dispute. So, that will work for now I guess.
Trans Union:
When I logged in to do my TU dispute, the first thing I realized is all of the bureaus have different terminology. Most of my discharged accounts list their status as "Unrated". From what I've read, this should say "Included in Bankruptcy". Some accounts have a $0 balance, some are just blank. I'm not sure about the remarks/comments section.
---
I'll report back & will probably be asking questions. Comments/help are always appreciated!
-AA
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