Filed CH13 5/97, discharged 1/01. Hard 3 years, so-so the last 4 years, but glad I filed. One major mistake was I never checked my CR for the last 7 years. But thanks to the wealth of info on this forum, over the last 6 mos. I have been able to clean up my CRâ??s through heeding most advice, and I thank one & all. BK is now off all CR. And scores are: Equifax 767 (FAKO) (1 derogatory) Experian 709 (FAKO) (5 derogatory) TransUnion 785 (FAKO) (1 derogatory) Iâ??m very pleased with my scores (low to mid 600â??s before), except for Experian, but am trying to start over with a clean slate (@ 59 years old?), embarrassed for any mention of BK During my disputes I sent copies of my CH13 discharge papers along with my schedule â??Fâ? showing proof that certain accounts were included in BK. After my first round of disputes, all the â??date of statusâ? were 5/97, but after repeated disputes some of the accounts changed their CO dates. Is sending proof of BK & which accounts were included, enough proof to the CRA that the â??commencement of delinquency â?? is 5/97 (or there about), not 9/98, and 6/98 or any other date that the OC comes up with? I do not wanting to go through the hassle of suing, I just want to get all mention of BK off CR. First I am sending letters to the 5 OC in question, with correct or ITS, but are the CRAâ??s also in violation by not accepting the BK as proof?
During my disputes 1*I sent copies of my CH13 discharge papers along with my schedule â??Fâ? showing proof that certain accounts were included in BK. 2*Is sending proof of BK & which accounts were included, enough proof to the CRA that the â??commencement of delinquency â?? is 5/97 (or there about), not 9/98, and 6/98 or any other date that the OC comes up with? 3*I do not wanting to go through the hassle of suing, 4*I just want to get all mention of BK off CR. 5*but are the CRAâ??s also in violation by not accepting the BK as proof? Jimmyo ========================= 1*This was the wrong move-You just welded the Bk to your reports. 2*I don't know about that but it was enough proof to lock it onto your reports for the full term. 3*So what if it's the only way?????? 4*How do you do that when you just proved the BK to the CRA ???????? 5*NO: Besides why do you want to prove to the CRAs that you went BK.
Thanks a lot for replying. I furnished the BK papers because I was willing to wait for the 7 year â??penaltyâ?, but I donâ??t want to put up with the OC supplying false info., or the CRA ignoring my documentation. My main question was if the CRAâ??s could accept copies of the BK schedules, as I provided, as proof of the original date of delinquency? I have just sent CRRR letters to the OC, notifying them they are not in compliance with 623(a)(5) of the Fair Credit Reporting Act. Do you think this will help? Thanks again.
