Hi, I filled my Bankrupty about 2 years ago in june (06/01) and currently my fico is around 565. Currently I have 2 CC with a limit around 2k each. The problem that I am having it that when I pulled my Credit History, I still can see 2 credit cards (Chase Bank and First USA Bank) that still showing a outstanding balance. I have filled a dispute in Equifax that these balances have been included in my Bankrupty. However, I am worried that my lawyer has a possibility entering a wrong CC number (since the account looks the same). How can i clear this out or showing that these CC included in my bankrupty? Would clearing (zero the balance out) increase my Fico Score? I saw people can increase their Fico really fast. Can anyone give me guideline on what to do?? Thank you.
the account number listed on your creditor matrix isn't really important...for example, if you have 5 accounts with a creditor, only one is listed... Changing the listings to IIB (included in bankruptcy) will help you significantly, if they are currently showing as charge-off (awful) or over 120 past due (even worse).
What happened if my Bankrupty Lawyer accidently keyed in wrong Credit CArd number? How can i dispute it now? Because Other Card HAs IBB, except these 2 accounts. Thank you for the reply.
Re: Re: Advice on what to do? Sebel, you are still in OK shape don't worry about it. Your next step on these 2 accounts is to dispute that you do not owe a balance. Don't say anything about a BK. Your Bankruptcy lawyer has nothing to do with it at this point. The ball is in your court. Do this or other replys that maybe will follow mine with maybe a little more better or detailed advise. Dispute the balances as not mine.
Re: Re: Re: Advice on what to do? Hey, Thks for the reply. I actually have sent a dispute through Equifax website, and dispute it as Included in Bankrupty. Sorry, for not coming here first. I am nervous because for 2 years I have been struggling without credit, and if after 7 years I still have to pay these balance again, what is the purpose on doing BK. I dont know if Equifax Dispute website will erase these 2 accts as included in Bankrupty or not, but they cant, do you recommend using "credit services" in Credit net? Which one? I really need to dispute these 2 accts. If I can do it myself, how hard would it be? Thank you.
