Just an update on a stubborn collection on EX. It looks like it was posting lates from 2013-2015. BK was 10/2015. It was not a revolving account so I'm not sure why it would post late every month - I had no payment agreement with that company. So I disputed last month with EX. Within a week, the company removed all lates except 9/2015 and 10/2015 but then added 9/2017 ! Which of course, violates BK law.
I called EX again and they said they did what they could and I needed to dispute with the CA. Faxed the CA a dispute letter and they mailed me a letter recently stating I had a zero balance with them. I checked my EX and saw no change. Called EX and was transferred to a different dept, this time I spoke to an American and she understood what I was trying to convey. She stated that what looked like a "late" was actually a report of the account. It was like saying every month for 2 years, I did not pay that debt. She said that it was EX who made the notation each month and I told her that it could not be indicated as a collection in 10/15 or 9/17 because that violated BK law. She removed it and is sending me a fresh copy of my EX in the mail.
I hope this helps someone. If you need more info or a screenshot, let me know.
@Anonymous wrote:For the step:
2. Run through with a pen and make sure that ALL accounts that were included in bankruptcy are noted as:
a. Zero Balance
b. Included in Bankruptcy
c. Current (not "default/derogatory" status"
3. For any accounts that do not meet all of the criteria in #2, file a dispute "Included in Bankruptcy" and "Incorrect Balance"
I'm looking at my Accounts tab (in my FICO Score 3B Report) and for the above, am I just looking at the "Payment Status"? And ignoring "WORST DELINQUENCY"?
That sounds like it is an overview page. You are concerned with details of each creditor.
For my car payment, I reaffirmed my lease for my car and have paid it off within 2 months of my discharge.
The Payment Status is [EQ-Pays account as agreed] [TU-Paid or paying as agreed] [EX-Paid account/was delinquent 90 days past due date]
Am I able to dispute this? I did stop making payments right after I filed my BK, filed court documents for reaffirming the debt (a couple of months afterwards) and than made the payments to pay it off (a couple more months afterwards).
You cannot have lates after your bk was filed. I would dispute EX only and explain they cannot report you late after the BK.
Target Card - had 0 balance and I didn't include it in my BK paperwork, but has been closed by Target after I filed my BK
[EQ-Included in Bankruptcy] [TU-Unrated] [EX-Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12]
Do I dispute this?
I would dispute EQ and EX since you did not nclude it in BK.
Capital One - I worked out a settlement prior to my BK to pay back 50% owed in 12 monthly payments. I made all 12 payments prior to filing my BK.
[EQ-Charge-off] [TU-Payment after charge off/collection] [EX-Account legally paid in full for less than the full balance]
Is this fine?
I would dispute EQ for sure because you did pay. Was it charged off before bk ? If yes, I would not dispute TU. If it was not charged off, I would dispute TU also.
Thank you! I'm so grateful that there's is a forum for this!