My Ch. 7 just discharged this month. I will pull reports next month to start disputing. When I pulled them in April (after 341, before discharge) all but one of the creditors included in my bk were still reporting derog. info. This is a big no-no. I filed in Jan so the last month they could put any derogs on was Jan. Anyway, my actual question is what is the best, most effective, etc way to dispute these since they have reports that are not allowed?
I do know that over time those old debts more than likely will get bought out by other companies and if that happens they lose your contract/paperwork. So, continue to dispute every so often in hopes they they cant veify the debt. Before long, most of the creditors will fall off. As for the derogs..... I didn't know all the laws when I filed years ago. Mine are gone now, so look to those on here who know their laws! Best of luck!
