Filed 5/24...discharged 9/7. Just got my Experian report after signing up for the 30 days free at Credit Expert and was pleasently surprised that most are saying IIB and my score was a 630 even with the few who have written hateful things. Of course FUSA, Chase, Universal card all have not updated to show the IIB and I will have to dispute and probabaly scream to get those right. My question is this: On the accounts all cc's were notified right after 5/24 about the BK and they still listed June (30days) July (60 days) and Aug (Charged Off).......do I have any ability to get them to change that listing?? I thought once they were notified of the BK it was frozen..no lates. Part of the score says that it's low due to the several 30 day late payments. Anyone know?
Good luck with FUSA! Most creditors will change their trade lines to reflect the status as of the date you FILED, which is in my opinion, the correct way to report. You may have some stubborn creditors that won't change your tradelines until you dispute, so I would highly suggest you get a dispute strategy ready, and start ASAP. BKinNE
Thanks! I just disputed all the lates using the arguement that I was never late BECAUSE I petitioned (filed) 5/24/2004 and was under bankruptcy protection as of that date. Of all the ones who added the 30, 60 and 90 day charged off tag lines MOST had the petition date wrong as June, July, august, etc. So they could say that I was late before the petition date. Transunion and Experian had the BK listed with the correct date, lawyer, etc So we'll see what happens!
