Got TU to remove BK7 and BK13, how do I dispute IIB accts now?

[teufel]

I have a BK13 that was dismissed due to divorce and a BK7 that's been discharged after the fact. After my BK7 was discharged in 2010, I decided to dispute the BK7 on my reports because there was inaccurate information about the BK's even though I did in fact file for BK.

 

TU was the only CRA to immediately delete my BK's from my reports, which I was happy with to start. I'm working on this report and wondering how I should dispute the accounts that were actually included in the BK. Should I dispute them as "Not Mine" or "Inaccurately being reported" or something of that sort?

 

I don't want TU to try to locate and validate the BK and put it back on my report as all my accounts that were included state they're scheduled to report until 2015 - 2017 at the latest and then they'll drop off, which is okay I guess, but at the same time, I want this over ASAP, of course. I know I'm probably pushing my luck though.

 

Some of these accounts are being reported incorrectly with incorrect balances and showing "charged off", or late payments even though I've never had a late payment in my life. I thought once I filed the BK, the OC couldn't try to collect funds and I was protected by the BK laws. I would think they can't report me as late at that point as long as I was up to date with all my payments as of the day I filed, which was the case.

 

Any advice on how to dispute these accounts would be greatly appreciated.. or if I'm just plain outta luck and shouldn't even attempt to do anything

 

Thanks!

[hrguy]

I am gonna move this to the Credit forum since this is a credit clean-up question and does not need actual advice to a bankruptcy.

 

But I would leave them alone, usually you should attack the IIB accounts, get all those gone and then do the BK. Others who have been successful will chime in.

[hrguy]

Also, what you are seeing now is that since you had the BK removed, it probably took off the block that TU has on IIB accounts and payment histories. TU and EQ blocks payment history on accounts included in bankruptcy. Since you got the BK removed, I don't know how successful you will be with getting the negative info gone on the accounts since the BK actually blocked it.

[teufel]

That's understandable. I appreciate the information. I was thinking about it backwards, thinking if the BK was removed, then I could dispute the other accounts IIB as Not Mine, but then discovered the BK could potentially be put back on report even though once deleted. So here I am seeking out more info. LOTS of great info on this site. Still trying to wade through it all Thanks again!