I recently completed payments on my CH 13 BK,though I have yet to
receive an
official discharge(The last payment was made In June).
Out of curiosity I looked up my credit report with all 3 major
bureaus..and to my surprise many of the accounts I listed in my filing
are still showing balances as "delinquent"or "for collection"..and
with recent reported dates.
Some show up in just one of the credit bureaus reports;some on all
3...And some
show reporting dates as 2004!..The reports show that at least 1/3 of
the amount I was supposed to have discharged as the result of my
filing as still open;thus
giving me a very low FICO score.
My question is: Should I wait to receive my official discharge from
the Court
so that I can write the Bureaus and point out the indiscrepancy?
I was thinking that maybe there is some type of time lag here..that
maybe
those individual creditors that show in my credit reports with open
balances
just haven't been contacted yet to accept the bankruptcy,discharge or
whatever
is needed to clear up that balance shown.Most of the other accounts do
show as
"bankruptcy"or "settled under Bankruptcy".Etc.
Thank You For Any Informative Reply
Od