Disputing "Not coded correctly "

[invest1choice]

Will it work to dispute under "NOT CODED CORRECTLY"
Even if it is now showing no balance and included in BK ? after all my disputing they finally send me a updated copy with the creditors showing correctly before I can use the above dispute reason.. which of coarse I am hoping it is just removed from file due to no response from creditor .. I have been lucky for a couple of them going that way so I am not complaining just wondering if it is worth my time.. I guess it can't hurt ... anyone had luck with this dispute instead of not mine ? Please do tell your experiences ...

[FilingOnMyOwn]

What exactly are you asking, or what is showing incorrect about the account?

[invest1choice]

My question was "Can you still dispute even if they are reporting correctly under chapter 7 " , everything is blank on credit report except " 24 months received " not sure what that means but there is no balance . From what I understand this is what you want all creditors to show besides hoping they do not verify and it gets deleted.
I guess what I am also wondering is " Does it hurt your score to have it still on there reporting zero balance ? My guess would be "yes" because it is a Debtor reporting negative under chapter 7.
I was told by a attorney that fixes credit to continue disputing would kinda "swamp " the creditor and eventually it does not come back verified . And gets deleted ... Thats how they do it ,was what he told me but people don't have the time to do that and thats why you pay him....

[FilingOnMyOwn]

Well yeah, even when correctly listed with a zer0 balance, an account included in bankruptcy I imagine has an adverse effect on your score. You could continue disputing it under all different kinds of criteria in an attempt to get it removed completely. I don't know how much it would help though just to get one thing removed. Chances are the BK will still be on your report for 7 years. I'm 4 months out of bk and I've already rebuilt my credit to my satisfaction. So its the BK itself on my credit report that companies will deny me for now, and not the account details itself. I could get all the adverse accounts removed, and certain creditors will still deny me for the next 7 years.

[LostOne0069]

Hey, FilingOnMyOwn, Just curious here... do you know why the scores have such a great range between the different CRA's? Why does transunion list you so low and Ezuifax have you so high? Have you compared the two reports?

[FilingOnMyOwn]

Well I know equifax was the one bureau that everything reported correctly in the first place without me having to dispute anything. TU and experian, I had to dispute adverse accounts and collections for months.

[invest1choice]

I know that makes sense but I have had luck with getting the BK 7 report removed off Equifax I disputed "not mine" and it came off mine and my husbands. I realize you still have to tell them you have a bk 7 when applying.. So in many cases it won't matter but I had talked to this mortgage company and they don't ding you for it as long as it is discharged so in that aspect it will work and not hurt you always. I have been reestablishing my credit since Jan and I have had a lot removed just have like three creditors that are hanging in there.... Following advise from others on the board ... Like I said I am sending in on top of each other the day I get the dispute back in the mail with the new credit report number it goes back in the mail the next day with whatever did not get deleted.... Now I am using Not coded correctly , instead of not mine... It is a lot of work at the time I use the letters from this board.

[FilingOnMyOwn]

Its always best to start out with 'not mine' and hope things do fall off. But for the most part, the majority of them will remain.