Disputes with the credit bureaus...

[sassiebaz]

So, I began the process of disputing things on my credit. Some are complete and some are still pending. What I have noticed, is some of the accounts show accurate info and some still show "petition for chapter 13". We did file a 13 and dismissed it so we could then file ch7 and get a discharge. So, when I went back online to one credit bureau, it indicated one of my accounts were proven to be correct with the "Petition for ch13". Well yes, that is partially true, but then I filed ch7 and got a discharge. They are not allowing me to contiue to dispute this particular item. My question is, first off, if they see other accounts in "discharge through chapter 7" isn't this a no brainer? All the debt I have other than student loans is discharged automatically right? This is what I was told, being in the state I am in. Also, would it work for me to just send a certified copy of my discharge to each credit bureau as proof?? I did not leave any creditor out of my chapter 7 filing....so I just dont understand why I cannot get anywhere with some of these accounts not reflecting the right, updated information....

[IBroke]

I don't recommend sending out BK-documentation to CRAs. If they report your BK CH7 on your public records, that should be proof enough. Send them certified letters, demanding to report the accounts discharged through CH7 to be reported as such.

[sassiebaz]

Ok. So, is it fair to say that all of my debt is dischargeable? The reason I ask is I didn't include my discovercard. However, they shut me down and when I called the lady told me it is going to be discharged through my BK as I live in AZ and basically that is how it works here. Does this sound right?

[IBroke]

Ok. So, is it fair to say that all of my debt is dischargeable? The reason I ask is I didn't include my discovercard. However, they shut me down and when I called the lady told me it is going to be discharged through my BK as I live in AZ and basically that is how it works here. Does this sound right?

If your Discover card had a balance on the day you filed, it was included in your BK CH7 - just like any other debt. I doubt that it depends on your State. The only way to keep an account out of the legal BK-procedure is a $0 Balance on the date you file. But even in that case, the majority of CC-companies are going to close the account. However, an IIB-notation for this account on the credit-report can be avoided.

[sassiebaz]

If your Discover card had a balance on the day you filed, it was included in your BK CH7 - just like any other debt. I doubt that it depends on your State. The only way to keep an account out of the legal BK-procedure is a $0 Balance on the date you file. But even in that case, the majority of CC-companies are going to close the account. However, an IIB-notation for this account on the credit-report can be avoided.

I didn't mean for this to turn into a question/answer thread, but I was curious about this. I just received a Dr. bill in the mail I had no idea we even owed. Albeit only $59. They are threatening collection action. Can I call them up with my BK info and will that take care of it. The bill is over two years old. I know I could pay it, and I almost feel sick that I am even asking this, but it's worth a shot right? Regarding the CBR questions though, I will send the demand letters if they do know accept my disputes to include all of my accounts with my discharge information. Thank you!

[IBroke]

I didn't mean for this to turn into a question/answer thread, but I was curious about this. I just received a Dr. bill in the mail I had no idea we even owed. Albeit only $59. They are threatening collection action. Can I call them up with my BK info and will that take care of it. The bill is over two years old. I know I could pay it, and I almost feel sick that I am even asking this, but it's worth a shot right? Regarding the CBR questions though, I will send the demand letters if they do know accept my disputes to include all of my accounts with my discharge information. Thank you!

Hey, no problem about asking questions - that's the purpose of this board. And guess where I got my info from?

If your CH7 BK was a no-asset case, that DR.-bill was included as well - even without listing it on your schedules. If there was no distribution to other creditors, they can't cry "foul" that they weren't notified because it wouldn't have made a difference in the first place. If you notify them in writing about your BK and they continue threatening, it is YOU who might turn into the collector..

And back to your credit-report: To me, it is a no-brainer that they should add the IIB-notation if your personal records show the BK. I recall a phone-call to one of the CRAs (I think it was Experian) and the lady told me "I see you filed for BK so I can add the notation IIB to the account". They even did that without asking the creditor because once they see the personal BK record on file, they know there is usually no debt that can survive a CH7 BK.

The reason why I don't recommend sending them the BK-documents is that I don't want to create a BK-papertrail by handing out documents that might haunt me in the future. If it's not necessary, I don't like to reveal sensitive, personal information.

[sassiebaz]

Hey, no problem about asking questions - that's the purpose of this board. And guess where I got my info from?

If your CH7 BK was a no-asset case, that DR.-bill was included as well - even without listing it on your schedules. If there was no distribution to other creditors, they can't cry "foul" that they weren't notified because it wouldn't have made a difference in the first place. If you notify them in writing about your BK and they continue threatening, it is YOU who might turn into the collector..

And back to your credit-report: To me, it is a no-brainer that they should add the IIB-notation if your personal records show the BK. I recall a phone-call to one of the CRAs (I think it was Experian) and the lady told me "I see you filed for BK so I can add the notation IIB to the account". They even did that without asking the creditor because once they see the personal BK record on file, they know there is usually no debt that can survive a CH7 BK.

The reason why I don't recommend sending them the BK-documents is that I don't want to create a BK-papertrail by handing out documents that might haunt me in the future. If it's not necessary, I don't like to reveal sensitive, personal information.

It just doesn't make sense to me then. I disputed one account that said "CH13 petition" and the CB said that was correct after looking into it. So, should I call them? I mean, my CH7 is listed in public records on that particular CB. Transunion was the one it wasnt listed on. I will do the demand letters in the next week regardless.