I am sooooooooooooo FRUSTRATED!!!!!!!!!!!!! I am in a current Chapter 13 and all of my accounts were reporting correctly as IIB. I looked at my scores a month or so ago and was pleasantly surprised to see that they were EQ: 595, TU: 612 and EX: 602. Well, on yesterday, I received a Score Watch alert that my EQ had dropped by 32 points! I was soooo upset!!!! On April 18, 2008, my Trustee's office inadvertently sent an order of dismissal for non-pay. I got the order in the mail, panicked and called the next day. They told me they were "sorry" it was a mix up and my case was in a "stack" of dismissals and shouldn't have been. They then issued an order REVOKING the dismissal. But a whole week had gone by and all of my credtors in the meantime had received the DISMISSAL order and thought I was fair game again. I started receiving notices from collection agencies, etc. I wrote letters to them with a copy of the order REVOKING the dismissal and asked them to please change the status BACK to IIB. Well, it appears that Cap 1 changed me from IIB to Bad Debt; Placed for collection; Charge off account; Account closed by credit grantor. I have two accounts with them IIB and I wrote a letter for each and attached a copy of the order revoking the erroneous dismissal. I called the Trustee's office and was curtly told that just like the original dismissal order had been distrubuted to my creditors, then so would the order revoking it. I am so angry that this clerk, sitting behind her desk has caused me a -32 point drop and acts like it's no big deal. I'm hoping that Cap 1 will change it ASAP and I'll gain my points back. FRUSTRATING!!!!!!!!!!
