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View Full Version : EQ opens 3 closed accounts?

xgamer
10-28-2004, 06:10 PM
I had filed bankruptcy on the 22nd of Oct. On the 25th I noticed it showed up on my EQ credit report. My score(578) took a 1 point hit to 577. The next day I checked my CR and it was down another point(576). I wondered what had changed. I looked over my report to find that EQ was reporting 11 of the 15 accounts as open the day before and now 14 were showing as open. I am not sure what, where, how??

Plus, what really was strange is when I checked the "what if sim" at MCK.
On the 22 - 25 it had no account for me to pick from. Now after the accounts were open I can pick any of the three they opened to do a sim if I would like.. how nice..

Is this legal activity?

I have not had any inquiries since 2003 and only one then and two in 2002.

I have the 120 days late comment on most of them also, hehe.

EX reported the Bk on the 27th and my score went from 598 to 602. 5 closed charge off accounts and 1 closed CA..

TU is holding 10 of em and reporting 4 of them as open. No Bk yet. 573 on TU
willingtocope
10-29-2004, 05:52 AM
It can take 6 - 8 weeks for all the paperwork to fly around between creditors and CRs. Wait a month or two and then look.
LadynRed
10-29-2004, 11:36 AM
Actually, you won't see the full effect until at least 60 days after you discharge. Until then its going to be a moving target. After that, you start disputing to get things corrected.
xgamer
10-31-2004, 05:30 PM
Yeah, I am seeing all kinds of strange activity...

Sears now says they are paid as agreed on all three...was charge off..

Should I dispute with the CRA now or should I wait till after the discharge?
I mean, would it hurt to dispute a few TL's as "not mine" and see?

Would sending DV letters to CA's be the thing to do now? I am waiting for the 341 meeting and it would be nice to have a couple of the few I have removed if possible...
willingtocope
11-01-2004, 04:58 AM
Wait until at least 45-60 after DISCHARGE...which won't happen until 6-8 weeks after the 341 meeting. I know its tough to wait it out...sure was for me...but anything you get changed now may legitmately pop back up later. You won't know what shape your reports are in for another 3 months or so...