Discharged BK Question
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Posted by Abby
(205.188.116.131) on July 28, 2004 at 14:50:09:
Hi, Thank you in advance...you all are wonderful! My BK was discharged on 6/22/04. (I know it is really a short period of time) Of course, due to the short time frame my report is not updated. I have disputed with Equifax about the dicharge and have started an investigation. They have already confirmed the discharge and so has one other of my creditors. I only have 6 tradlines. My question, if they do not report everything(it was all included) as discharged..which would show I still owe the debt. Can I fight to have the items removed from my report? I am concerned becase...just as luck would have it, I have a Judgement from an apt 11/97 that is scheduled to fall off. I need desperatly to have this disappear by the end of September. I am seeking new housing. I have disputed all items as not being reported correctly and discharged in BK. Is it up to the creditors to report the discharge or is Equifax responsible to make sure it is correct thru the BK court?? I sent my discharge paper in to them. My investigation started 7/9 so they have 30 days to correct this right? I hope this makes sence. My head is spinning at the moment. I am just so close to having my report where it needs to be. I am under time restraints to move. Thanks to all for your help Abby
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