@Anonymous wrote:
I was discharged from Chap13 In Aug of 2014. All accts are reporting correctly, however I have 3 accounts still continuing to report IIB -0- balance every month. I thought after BK discharge they cannot update monthly. Most stopped reporting well over a year ago, but these 3 keep updating/reporting every month, as if these were open accounts. One even shows a scheduled payment amount even though it states -0- due and IIB. Is this legal? Anyone have any luck changing these creditors from reporting monthly. What is the purpose of them continuing to update/report every month when it was discharged.?
If they're not reporting inaccurate or negative information, they really aren't doing anything illegal. Nothing they are doing now changes your date of first delinquency, re-age the account, when it's scheduled to fall off your report, etc...
Just always make sure they're reporting a $0 balance and $0 past due. Equifax seems to have a problem with this.
