Posts: 9
Registered: ‎02-01-2008

Filed chapter 7 3/6.... Late payment reported 3/15?!?

I thought that once you filed for BK, creditors are no longer allowed to report late payments? Chase Mortgage is reporting me 30 days late as of 3/15. The creditor notes state that I filed on 3/15... Public record shows 3/6 as my file date.
Established Contributor
Posts: 660
Registered: ‎09-11-2007

Re: Filed chapter 7 3/6.... Late payment reported 3/15?!?

Dispute it with the notation "I never filed BK on 3/15".   They are required to remove it - only payment history PRIOR to the BK can be reported.  

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+