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Member
Posts: 23
Registered: ‎11-23-2012
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Re: Late Payments after filing but before discharge

Could you repost the full link? It cuts out in the middle..

Thank you

 

New Contributor
Posts: 63
Registered: ‎08-14-2012
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Re: Late Payments after filing but before discharge

I filed Chapter 13 in July 2007, discharged April 2012.  In April, when I was discharged, all my iib accounts listed me as derogatory on TU and EXP, so my reports say I have late payments 6 months ago.  Are they supposed to do this?

Cap One Quicksilver ($10,000); Barclays Rewards WMC ($7200); Lowes ($4050); Wal-mart ($3250); HSN ($1800); Amazon ($2300); Sportsmans Guide Visa ($1400); Target ($700); Victoria's Secret ($900)

EX: 806, EQ: 780, WM TU: 806
New Contributor
Posts: 71
Registered: ‎10-23-2012
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Re: Late Payments after filing but before discharge

I called my attorney & his responswears according to the FCRA lates should or report post filing. Also he said as of discharge your status on your CR should no longer be IIB but changed to discharged in BK

Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull

Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
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Re: Late Payments after filing but before discharge


Sha80 wrote:

I called my attorney & his responswears according to the FCRA lates should or report post filing. Also he said as of discharge your status on your CR should no longer be IIB but changed to discharged in BK


Ummm I got the second sentence but the first one is a little garbled.  Can you please clarify that first sentence please?

 

I'm hoping you are saying that he says lates should NOT report after filing.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
New Contributor
Posts: 71
Registered: ‎10-23-2012
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Re: Late Payments after filing but before discharge

Sorry I was posting from my phone. Your guess is correct. He said they should not report. i received a 30 pt. jump today after my investigation completed. 

Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull

New Member
Posts: 3
Registered: ‎09-18-2011
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Re: Late Payments after filing but before discharge

Then can you tell why Experian WILL NOT and contibues to report "lates" until month of discharge.

 

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