03-20-2012 04:14 PM
After doing more reading, I've discovered that creditors can't report you late after the filing date, but, I have lenders reporting me late the month or two after I filed and even some that marked my account as a charge off after bankruptcy.
Would it do any good to deal with this stuff? It's from April and May 2009. Most of them are also marked included in bankruptcy in addition to being marked charge off after the filing date. One even reported me 120 days late when I was paid up before I filed. Will it help my credit at all to get these to report accurately or would it be about meaningless at this point?
Also, if anyone has dealt with it, what did you do? Call the CRA or online dispute?
03-24-2012 12:44 PM
IIRC, yours is the CH 7 flavor of BK, and you've been discharged awhile.....correct me if I'm wrong on that.
Yes, it's worth correcting these. Most folks have to do a fair amount of cleanup post BK. It takes a little time, but it's worth it - and it's not unusual to have a bit of a mess on the ole' CR's.
In our case, we disputed mostly through snail mail. In some cases, it took several tries. Persevere - it's worth it. An inaccurate charge-off post BK is worth taking care of.
Keep us posted - there's always helpful folks here who've been through the process.
03-30-2012 03:45 PM
My first attempt went badly unfortunately.. I'll keep trying though, now I have a collector who wasn't contacting me at all calling me repeatedly and hanging up.
03-30-2012 04:57 PM
FWIW - If the debt was charged off internally BEFORE you filed, then it will stay as a charge off on your CRs forever (until it falls off), regardless of the IIB.
I fought this for a 14-or-so months with 3 bureaus and 3 CC's, it's futile. In reality, they aren't reporting inaccurate info, the debt was charged off.
On the other hand, have your attorney send the ones who reported you late a violation letter. It will get fixed pretty quickly (or you collect copious amounts of cheddar).
Anyone who calls you on a discharged debt is in violation, too. Sue 'em! (or call your Trustee's office and ask them what to do).
03-30-2012 06:06 PM
The ones marked as charged off were current, no late payments at all when I filed. They were marked as a charge off after the bankruptcy finalized. But, I still believe it's probably futile to attempt anything. Experian wouldn't remove a collection that was clearly marked as included in bankruptcy by the original creditor. It was sold two years after being discharged and marked as discharged by the original creditor. They know it's not legally collectible, they're just blackmailing me like they've probably done hundreds of times before.
I filed my bankruptcy pro se, so now I'm shopping for an attorney I guess to fix this since the credit bureaus don't seem to care about accuracy unless it's on legal letterhead and includes the veiled threat of lawsuit.
Originally I was thinking of doing a pay for deletion, but, I went through a lot of work and hardship to file for bankruptcy. It was embarrassing and I'm going to have it on my record for 7 more years. I don't see how it's fair to pay a debt that was discharged in bankruptcy and have the bankruptcy on my file. Then what was the point of filing?
I'd rather pay a lot more to an attorney versus pay zombie debt collectors a single penny.
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