04-09-2013 02:29 PM
After cleaning up my Experian every account shows IIB $0 Balance, but has a fresh derogatory mark or late for March 2013. I filed Nov 2012 discharged March 2013. Can this be reported as a late payment?
04-12-2013 08:49 AM
My Chapter 13 discharged April 2012 and my credit card iib reported me derogatory as of that date, and it had been 5 years.
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