How long do I wait before disputing bankruptcy?

[araceli2000]

How long do I have to wait to start disputing my BK filed 05/09 discharged 11/09

[chane]

Originally Posted by araceli2000

How long do I have to wait to start disputing my BK filed 05/09 discharged 11/09

There is no certain time. Some say 6 months, some say 2 years. It's up to you. Maybe call Lexington Law and/or others and see how long they say. They give advice for free.

[araceli2000]

thanks Chane,

another Question: til now TU & EQ deleted the collection I had, Do you think it will be a good idea to send CA BK paper or no?

[chane]

Originally Posted by araceli2000

thanks Chane,

another Question: til now TU & EQ deleted the collection I had, Do you think it will be a good idea to send CA BK paper or no?

I'm not sure I understand your question. Give more details, please.

[araceli2000]

Experian seems to be hard to work with, still showing collection should I dispute this collection with CA by sending them BK paper? because 1 bill it went automatically as included in BK from Hospital bill.
I dont understand this Hospitals they bill u separate from the doctor. (1 visit to hospital & doctor bills u n hospital bills u.)

[chane]

No, don't send anyone your BK papers. You may want to notify the CA that the account was included in BK, but only as a last resort.

[araceli2000]

chane,

my experian score got an alert from target
Status: Discharged through Bankruptcy Chapter 7.


Date Opened:
10/1995
Reported Since:
10/2003
Date of Status:
10/2010
Last Reported:
11/2010

Type:
Revolving
Terms:
NA
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit/Original Amount:
xxxx
High Balance:
xxxx
Recent Balance:
$0 as of 11/2010
Recent Payment:
$0

and my score dropped 21 point it was already showing on my report Discharged through Bankruptcy Chapter 7
why they reporting again? is it because I was disputing the account?

[araceli2000]

this is what it shows on my alerts:Potentially Negative Alert
Reported on 11/7/2010 by Experian
Company: TARGET NATIONAL BANK
Balance Date:
Current Balance: $0
Status Date: 10/12/2010
Payment Status: CHAPTER 7 BANKRUPTCY DISCHARGED
Company Phone: 8887555856
Company Address: PO BOX 673
MINNEAPOLIS, MN 554400673


what do I do, can I dispute this info dropping my score?
please CHANE help

[chane]

They probably just found it, it doesn't necessarily mean it's reporting twice. Are the credit scores you're referring to FICO scores from MyFICO? If not, they are FAKOs and don't really matter.

[araceli2000]

Chane,
So you mean the credit score we get from EQ, EX, TU dont really matter?

what is the differents between myfico & EQ,EX,TU socore's?