I stumbled across this board a few months ago and I have found a wealth of information here. However I ran into a roadblock that I think I know the correct answer for, I'm just not sure how to handle it. So I'm hoping I could get some help.
I filed chapter 7 back in 2004, it was discharged, I have recently been trying to clean up my credit report and I think I'm making a little headway. One of my creditors (cc company) has me listed as IIB with a 0 balance, which I know is correct, however it is showing 120 days past due. I disputed the CRA, and it came back verified, so I disputed with the cc company and I received a letter today saying everything is reporting correctly. I thought that it shouldn't be showing 120 days past due, am I right?
If I am right, how do I handle it?
Thanks everybody.
Rick