my last day for the ceditors to say....

[ShoreUwouldinNJ]

...i should or shouldnt be eligible for my bankruptcy is on friday :eek: I dont know what exactly happens after that but Im hoping to start cleaning up my credit report. my credit was all in NJ so i am not sure if I follow NJ SOL or LA SOL rules/laws....


Im actually really nervous. I been trying to notify some of my creditors that i filed bankruptcy since im not sure if they were notified since some of them still call and some accounts were sold a few weeks after i filed back in January. I really hope this helps me get my life back on track. I never would have guessed 8 years ago that I would be filling bankruptcy :-\ How I got my 1st credit card at 17 and a half is beyond me :-\ but we live and learn and move forward. :o:thumbup::D

[ShoreUwouldinNJ]

So I did a dispute of all my credit reports and for experian i think i got one item deleted and none of my personal info updated. equifax no items deleted all of my personal info updated and transunion all my personal info updated 7 deleted items and 3 items that said they were no longer on file.... i dont know what the "NO LONGER ON FILE" means but if it means a deleted item then I have 10 total


I'll probably do this again in a few months most of my CC's SOL are between 2011 and 2015. Im hoping to get those 2011 and 2012's removed sooner than later. I highly doubt those public records will come off before 2015.

Any advice on how to get inquiries removed? I have a lot of them

[chane]

Be persistent with Equifax. They should eventually remove everything. They are the easiest to deal with in my experiences. As far as inquiries...just dispute them. You don't have to give a reason. Don't ever lie to them. Just say that you would like to dispute them.