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Credit Report Question-Pre-Discharge

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    #1

    Credit Report Question-Pre-Discharge

    So not to long ago, I got curious and pulled my credit report. (Post Filing-Pre-Discharge)...I was basically just checking to see if the right accounts were listed as IIB and to peek through my fingers at my score....

    Well, I used the online service through Experian and Transunion. There were two accounts not listed as IIB...the car and a LOC...so I clicked the dispute button for both accounts and listed the reason as IIB....

    Anyway...both Experian and Transunion responded with updates. Both of those accounts have been DELETED from my credit report...not listed in the slightest bit...

    So, the question is...do you think this is GOOD or BAD? I know less negative accounts on my report but to completely delete...I didnt think that would happen.

    If it helps...the accounts were reporting as "Past Due"...the car 30 days and the LOC way more than that...

    As a sidebar: The online dispute service through Experian and Transunion was easy as pie to use. I got constant emails saying they were working on my disputes, got the update that the dispute was resolved and was able to log in and view everything instantly.
    Chapter 7 Filed: 04/21/2011, 341 Meeting: 05/31/2011, Report of No Distrubution: 06/02/2011, Discharged: 08/03/2011, Closed: 08/10/11
    Tags: None
    #2
    i vote: GOOD!!

    i would rather begin with a blank slate, but others may see it different
    8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

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      #3
      Thank tobee43...I'm leaning towards good as well....not 100% sure yet....I'll look at my scores again after discharge...
      Chapter 7 Filed: 04/21/2011, 341 Meeting: 05/31/2011, Report of No Distrubution: 06/02/2011, Discharged: 08/03/2011, Closed: 08/10/11

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        #4
        Originally posted by disconapper View Post
        Thank tobee43...I'm leaning towards good as well....not 100% sure yet....I'll look at my scores again after discharge...
        that'll be coming any day now!!
        8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

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          #5
          YUP...only about a week or so away from discharge! YEE HAW. Turns out the deleting was a GOOD think...my TU and Equifax scores went up quite a bit...pushed my Equifax into the 600's and TU upper 500's....I'm pleased with the deletion..LOL
          Chapter 7 Filed: 04/21/2011, 341 Meeting: 05/31/2011, Report of No Distrubution: 06/02/2011, Discharged: 08/03/2011, Closed: 08/10/11

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            #6
            Originally posted by disconapper View Post
            YUP...only about a week or so away from discharge! YEE HAW. Turns out the deleting was a GOOD think...my TU and Equifax scores went up quite a bit...pushed my Equifax into the 600's and TU upper 500's....I'm pleased with the deletion..LOL
            we'll all be here to celebrate with you..
            8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

            Comment

              #7
              Good for you on getting them off!

              You'll be free in less than 2 weeks............yippee!
              Filed CH 7 4/15/11
              341 5/23/11
              DISCHARGED & CLOSED ON 7/27/11

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