Last year Jan 2010 I filed for bankruptcy and listed every creditor I had. My bankruptcy was discharged in July 2010. I checked my credit reports to make sure everything was reporting correctly. I noticed that Fingerhut still reports charge off. on Equifax, but on TransUnion it states the account is Unrated! (What does that mean?) I called the credit bureaus who stated they would confirm with Fingerhut. The CSR also said I could contact them myself, which I did. The collections rep told me that the account was sold to another company before the BK. The CO company was removed from my CR but Fingerhut will not budge. They are the only company that is reporting bad debt well everyone else states IIB. Is there anything I can do to make them report correctly?
If the account was CO before the BK, then they are reporting correctly. You can ask them to report it as included in BK, they have no obligation to do so though.
Thanks! I will check into that
Fingerhut is still reporting Charged off on my credit reports. I call them and they told me that the debt is now owned by Jefferson Credit. I call Jefferson and was told i paid they debt back in June 2011. Who do i need to contact to fix this? Fingerhut? It seems from the previous posts that they arent helpful. I didnt not file for any bankruptcy so my situation may be different.
i am no expert, but if figerhut charged it off and sold it to another company then their reporting correctly perhaps.