Bankruptcy

[fuzzybean]

Both Equifax and Experian have continued to not show an old CC debt IIB, which is was.  However, the debt is now over 5 years old.  Can I try to get it off of my CR by disputing it's age instead of the continuing battle to get it to NOT show as a CO?

[LIGHTNIN]

Here's a "Bump", to see if you can get some replies.

[fuzzybean]

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LIGHTNIN wrote:

Here's a "Bump", to see if you can get some replies.

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Thank you.

[LIGHTNIN]

CRTP (Credit Reporting Time Period) is 7.5 years for a CO. 

So this debt would have to be older then 7.5 years, in order to dispute as it being too old to report.

 Let me know if I understand this correctly.

You had an old CC that was a CO, that was included in the BK.  EQ and EX is not showing IIB on the CR's, but it shows as a CO.

Moving this post to BK board, to see if you can get more advice. I'm still learning about BK's, so I'll leave it up to the BK experts.

[fuzzybean]

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LIGHTNIN wrote:

CRTP (Credit Reporting Time Period) is 7.5 years for a CO. 

So this debt would have to be older then 7.5 years, in order to dispute as it being too old to report.

 Let me know if I understand this correctly.

You had an old CC that was a CO, that was included in the BK.  EQ and EX is not showing IIB on the CR's, but it shows as a CO.

Moving this post to BK board, to see if you can get more advice. I'm still learning about BK's, so I'll leave it up to the BK experts.

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It was included in the BK, but was not a charge off at the time of the BK.  One of them is now showing in collections on all 3 CRAs, too!  This is getting crazy. 

[krielly]

I take it you have disputed these accounts before? Did you dispute with the CRAs or directly with the Credit card companies? I would suggest contacting each of the Credit card companies and advising them they are reporting incorrectly as these accounts were IIB. If you don't have any success going that route, I suggest you send a written dispute (again to the original CC companies) stating the issue, and including a copy of your BK Discharge. Good luck!

[fuzzybean]

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krielly wrote:

I take it you have disputed these accounts before? Did you dispute with the CRAs or directly with the Credit card companies? I would suggest contacting each of the Credit card companies and advising them they are reporting incorrectly as these accounts were IIB. If you don't have any success going that route, I suggest you send a written dispute (again to the original CC companies) stating the issue, and including a copy of your BK Discharge. Good luck!

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I had our bankruptcy lawyer take care of it!  This was the second letter he has sent to them.  This time he sent them a bill along with the letter.  It worked.  All three are now reporting it correctly!