novembersea
Member
What is the name of your state? Ca
I filed chapter 7 last year after divorce and was discharged as of last July. I have not had anything late on my credit report in well over a year. I have disputed many items that did not state on my report that I went BK. I have disputed 3 times, 3 visa accounts with the same company and I "STILL" have charge off/written off on those accounts..as far up as Nov 2003. I filed 4/2003 and was discharged 7/2003. I have even mailed proof to the credit report agencies. Now what should I do? I am afraid all this disputing is going to hurt my report even more. I own a home, never have been late in 12 years. Car, never late. I just got left with debt from my ex and trying to start over with clean credit. Any advice? Score was 557 on one, and a LOW 490 on the other agency. I dont' get that one.
I filed chapter 7 last year after divorce and was discharged as of last July. I have not had anything late on my credit report in well over a year. I have disputed many items that did not state on my report that I went BK. I have disputed 3 times, 3 visa accounts with the same company and I "STILL" have charge off/written off on those accounts..as far up as Nov 2003. I filed 4/2003 and was discharged 7/2003. I have even mailed proof to the credit report agencies. Now what should I do? I am afraid all this disputing is going to hurt my report even more. I own a home, never have been late in 12 years. Car, never late. I just got left with debt from my ex and trying to start over with clean credit. Any advice? Score was 557 on one, and a LOW 490 on the other agency. I dont' get that one.