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I need advice as to what to do about this. I logged into CCT today and noticed that my FICO had dropped 19 points!! I was shocked because there hadn't been a change to make it drop like that, so I thought.
After scrolling through the accounts, I noticed that Synchrony, PSECU and USAA had "updated" my accounts with them that had been discharged in August 2015!! Why would they "update" an account that was discharged in 2015?? This makes the "most recent late payment" look like it was last month. Can they do that??
I personally think this is illegally "collecting" on a debt since they are reporting on a discharged debt. What should I do??
ANY advice would be greatly appreciated on how to handle this....
TIA....
Bump...
@panthersguy wrote:Bump...
They can report anything as long as it's accurate. As long as the accounts are IIB and the last date was your discharged month and it's showing a 0 balance and closed then it's correct.
Supposedly I've heard that they shouldn't show anything late as of your bankruptcy filing I don't think it's been set in stone that that is inaccurate yet. As long as it's not late past your discharge it's correct.
Can they report as 'late' if the account had been closed and charged-off? Several of mine after my Ch7 have changed to 'open' and lates are listed again.
The last month of delinquency has to be from the discharge month. Anything late after that is disputable.