topic Re: Question about procedure and baddies in Bankruptcy

Question about procedure and baddies

tertleman72 — Mon, 29 Oct 2012 01:50:39 GMT

So I have a discharged ch7 this year. Chase bank had previously sold my debt log before filling. I still listed them plus the CA in my schedule 7, and next to them in the comment it says "correspondence re bankruptcy". Well looking at my credit reports I see that chase is still listing as a charge off bad debt. I recently disputed this with EQ thinking it'd be an easy fix. Wrong. The CRA came back saying Chase verified with them the reporting is correct. That was an online dispute. Are they correct? I thought even if it was in collection the original creditor had to list it as IIB? These two chase accounts are the only "baddies" left on my report after discharge and I feel like they are having a major ding in my scores. Do I have a legit reason to dispute again by mail with my BK papers sent to the CRA? I'd try chase but I have seen on here how horrible they are with people. So do I have a shot or am I stuck waiting for it to fall off?

Re: Question about procedure and baddies

Scupra — Tue, 30 Oct 2012 17:08:56 GMT

Really good question because I am in the same position. I just recently submitted online disputes for those types of accounts as well. Anybody want to shed some light please?

Re: Question about procedure and baddies

Scupra — Fri, 02 Nov 2012 21:55:57 GMT

Anyone out there?? :)

Re: Question about procedure and baddies

chasmith — Sat, 03 Nov 2012 12:36:38 GMT

Disputes can go through a totally automated system where chase just rote verifies.

It takes time, but at this point I would do an MOV letter to the CRA. Include the BK paperwork.

If the CRA still verifies then a 623 letter to Chase.

This has to be zero balance, IIB, dated no later than your discharge.