I disputed some items online with Experian,Household bank was reporting 3 of my accounts balances of 4-5K each. They should show included in the BK,zero balance, as I filed BK7 4-2002. They came back verified, now they show included in the BK, but they still show the balances. What should I do next? Send the OC creidtors a debt dispute letter? Also, I disputed some other items and the 30 day period is getting close and they still show "in dispute", Should I call them when the 30 day period is over if they still show being disputed on my CR? Thanks all.
Is your BK discharged yet? Is it 6 months since you missed your first payment? I think you may have to give it a little time.
Bk discharged 8-2002 , yes it.s been 6 months since I 've missed my first payment. None of this is being accurately reported on my CR's Operation credit repair started.I wish I knew more about this stuff . Reading as much as I can. EXP 573 EQ 548 + 29 in 1 week TU 496 + 46 in 1 week
What reason did you give for dispute? My BK was 4-5 years ago so I am getting some off as "not mine" but in your case that may be tougher cause the records are fresh in the system. I would dispute as "incorrect balance" I guess. Maybe other people have better ideas. I think the CRA's mostly verify off their past tapes which is garbage in,garbage out. For example TU "verified" a credit card which reported the account closed 2 years after my BK7 with like 40 90+day lates. I think you just have to be annoying and persistent. Keep disputing but come up with new reasons each time.
I disputed most of them as not showing "included in the BK" , a few as incorrect balances , and a couple as "not mine". I guess I am just going to send them another letter if I don't see anything new happening when their time is up... Weird thing is my equifax score keeps going up... EQ 518 8/31/02 EQ 547 9/01/02 EQ 566 9/02/02 unreal as I compared the reports and nothing as changed..., nothing has been removed and everything is still pending... TU and EX still the same EXP 573 EQ 548 + 29 in 1 week and now 566 TU 496 + 46 in 1 week
