I filed BK CH. 7 and it was discharged in October 2003. I had 2 First USA accounts that were discharged, along with a few other credit cards. Most accounts report correctly as "included in bankrutpcy," but the FUSA accounts are reported as "charge-offs." Those make my credit reports look like I have delinquent accounts. Believe it or not, "included in bankruptcy" is a better notation on the credit score factor. I know this because when I disputed a couple of the "included in BK" accounts as "not mine," they came back verified as charge-offs and it lowered my score. I'm sure the other companies, National City, Chase, and MBNA will return their reporting to "IIB." From what I understand, FUSA has legal proceedings against it for this exact violation of the FCRA. I have disputed 3 times that these First USA accounts are not mine. I figure that I do not have a charged-off account with FUSA. I don't want to send my BK papers to the CRAs. My next step is to send copies of the documents directly to FUSA. I am wondering if they can the forward those copies to the CRAs? Again, I don't want to verify my BK to the CRAs. Any advice is appreciated.
1*I wouldn't do that 2*they might 3*That is what would happen if FUSA sent them on to the CRAs;so why chance it???
The first rule is, if at all possible don't provide anything... There are some circumstances where providing docs can help, but those are few and far in-between. For instance, say a df puts in writing something that can be used to provide a shadow-of-a-doubt as to whether the tradeline is valid, then you may want to include the docs, but remember anything that you provide, can, and probably will be used against you.
