conceptmat Tracker

Re: CA reported new debt that has been discharged last year in Bankruptcy. How to deal with them?

conceptmat — Tue, 07 May 2013 15:57:28 GMT

Yes, they received it after the debt has been discharged (in Feb 2013)

What are my options? What should I say/write?

Should I sue them for reporting wrong info?

CA reported new debt that has been discharged last year in Bankruptcy. How to deal with them?

conceptmat — Tue, 07 May 2013 03:43:32 GMT

I had a dental bill for $80 back from few years ago. Last Summer 2012 I filed for BK Chapter 7.

About February 2013 I received a letter from collection agency that they would like to collect this debt. I told them that this was supposed to be discharged and per their request faxed them the discharge letter. I have a record of fax being sent to their number, marked as successfully received.

Today I checked my credit score and it plummeted to 548 from 649 from last month. I acquired a report and of scores this collection shows as current, as account opened in 2/2013. I called the collection and asked why did they reported this as new debt. They said that they do have a record me calling but they did not receive my fax. I sent them another one today and they said they would change the Credit Record to "discharged"

My question is, did they even have a right to report a new debt in 2013 while knowing that it is old debt that has been discharged in BK last year?

How to get them to delete this record completely? They wouldn't agree on the phone stating that they never received a fax and not caring that I have a record of sending them a fax.

Can I sue them for this?

Will the extra collection record, even after it shows as discharged next month, be negative to my fragile new score after BK?

Thank you very much for reading, I hope to hear some advice

Re: Looking to apply for Secured Credit Card after Bankruptcy Chapter 7 discharge. Please advice

conceptmat — Tue, 09 Oct 2012 23:33:59 GMT

That's great to know! I did not know that Chex would clear you record because of Bankruptcy.

Thank you everyone for input!

Re: Removing items from Credit Report after Bankruptcy

conceptmat — Thu, 04 Oct 2012 22:33:29 GMT

Thank you for your comment. I am looking forward to it.

Re: Looking to apply for Secured Credit Card after Bankruptcy Chapter 7 discharge. Please advice

conceptmat — Wed, 03 Oct 2012 03:39:41 GMT

Thank you, I actually just applied for Cap 1 an hour ago. It says application submitted but no answer yet. How long did it take for you to get approval/answer?

Removing items from Credit Report after Bankruptcy

conceptmat — Tue, 02 Oct 2012 22:27:36 GMT

Hello again. I just received a discharge after filing Chapter 7 today.

My current Credit Score is 549, and it's showing a lot of negative items. Some accounts say "included in Chapter 7" and some say "Bad debt/collection". Is this normal? Why doesn't it all show as included in Chapter 7?

I would like to try and remove some of the negative items. Does anyone have experience disputing items from Credit Report after Bankruptcy? Please advice

Thank you.

Looking to apply for Secured Credit Card after Bankruptcy Chapter 7 discharge. Please advice

conceptmat — Tue, 02 Oct 2012 21:45:22 GMT

Hi Everyone,

I am a new member of this Forum. Just today I received a discharge after filing Chapter 7.

I'd like to start rebuilding my credit ASAP. First step I am planning to do is to apply for Secured Credit card. I saw some posts here advising to open CC at local CU. My problem is that I have a Chex Systems record from back in 2007. Trying to clear that but in the main time, which cards would you recommend? I'd prefer to go with reputable banks. If there are any that are known to approve after Chapter 7 please post them here.

Thank you