My wife and I filed a CH.7 in July 01, discharged in Nov. 01. Pulled a copy of her EQ report and was dumfounded!! In the top part of her report it states that no public records or BKs on file. Yet as I scanned the report 4 accounts had the statement " included in BK ". Her FICO is 588. There is a collection account reported twice on this report. I want to dispute this. My question is if I dispute, will they discover a BK happened and list it. What would you do with the 4 accounts that read " included in BK " already? How would you handle to raise her FICO score? Should I dispute these accounts that show " included in BK " since the BK isn't listed? Or will this upset the apple cart?
I would dispute the items. Perhaps "payment history inaccurate" or something vague like that. Look at each item and see if there are other reasons it is inaccurate. Perhaps you can dispute on that. Definately dispute the collections. Its unlikely that EQ will add the BK. This information would have to be reported by the Court or their representatives who scan Court documents. Perhaps yours was missed. The worst that would happen I think is your items would come back "verified." Best of luck.
I disagree with that statement. The cra's (TU for sure) have reps that routinely go to the courts looking for cases that they can add to your reports.
LKH I assume from reading this post that that he was refering to the CRA's? Either way it has been a year...I would think that if it was going to be on the reports it would have hit by now. Good luck to ya martig4!
I would assume also that after a year if it isn't reporting, it most likely won't. But, sometimes these things will pop up for no apparent reason. If me, I would do as martig said and find any reason other than bk to dispute. I'm not sure I would want to take the chance that it would show up due to my disputes.
I agree LKH. I would be afraid to dispute it at all. I would be afraid all the BK boogies would appear.
