Reply
Established Member
Posts: 15
Registered: ‎03-06-2008
0

Help... Being attacked by Bank!!!!

Hi,
I am post bankruptcy on 2/2008. I found an error on my auto loan payment (which i had reaffirmed.) They reported my payment 30 days late, which it wasnt. I disputed this through all three bureaus, and they sent the bank my request which caused the bank to do a search and came up with 4 LATE PAYS from 2007 & 2006!!!! They had reported these on time but now have changed them to 30 days late. ( These were only 1 day late) Will this hurt my credit score seeing as they were before my discharge? I am desperately trying to rebuild my credit. I have 3 unsecured credit cards, all recieved during bankruptcy, a walmart card from before bankruptcy, the auto loan and i just received a target card last week for $200....I have a checking and savings account also. Anticipating your reply.

Starting Score: 800
Current Score: 800
Goal Score: 850


Take the FICO Fitness Challenge
Established Contributor
Posts: 965
Registered: ‎12-04-2007
0

Re: Help... Being attacked by Bank!!!!

perhaps you could goodwill the company and see if they would remove the lates since you are paying on time and reaffirmed the debt with them.  Goodwill example letters can be found in the search.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.