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Late payment shows up after Ch 7 BK

Established Member

Late payment shows up after Ch 7 BK

Maybe I'm not searching hard enough, but most of the threads would say that all late payments prior to BK will stay on and that they are not disputable.

 

All my CR are reporting that I have seven 30+ and 60+ days of late payments. All this appeared after filing/discharge of Ch 7 BK.

 

Should I dispute them? Regardless of how minimal the impact I may have with lates, I'd just feel better if they were reported accurately and not late. Everything else is reported as "Good" while the late payments are the only one showing as "Poor" -  I just prefer it out of that status.

Filed BK7 04/16/2017 | Discharge 07/20/2017
FICO Start               | Current
EQ 589 07/31/2017 | 621 11/4/2017
TU 561 07/31/2017 | 603 11/10/2017
EX 570 07/31/2017   | 609 10/20/2017
$300 CreditOne
22 REPLIES
Community Leader
Super Contributor

Re: Late payment shows up after Ch 7 BK


audio-disabled wrote:

Maybe I'm not searching hard enough, but most of the threads would say that all late payments prior to BK will stay on and that they are not disputable.

 

All my CR are reporting that I have seven 30+ and 60+ days of late payments. All this appeared after filing/discharge of Ch 7 BK.

 

Should I dispute them? Regardless of how minimal the impact I may have with lates, I'd just feel better if they were reported accurately and not late. Everything else is reported as "Good" while the late payments are the only one showing as "Poor" -  I just prefer it out of that status.


Are these lates showing up as 30/60 lates for the months PRIOR to filing? Or are they showing late payments occuring AFTER the filing? There should be NO reporting of anything occuring between the filing and the discharge. Once you are discharged everything should report and Paid/IIB

Most Recent FICO 8 Scores EX592/TU539/EQ574 11/01/2017 Starting scores 553/485/543 08/25//2017
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Re: Late payment shows up after Ch 7 BK

There is a post bankruptcy letter that you should send to the 3 major reporting bureaus with copies of your credit report and send it via registered mail.  It should state dates of filing and amount discharged and circle in bold ink any creditor reporting after the dates false information.  Send via registered mail.  Follow up 60 days later.  This is part of closing out your Bankruptcy and cleaning up your credit report.  Good luck!

Community Leader
Super Contributor

Re: Late payment shows up after Ch 7 BK

NormanFH is correct.

If your lates were prior to you even filing for BK, then they are reporting correctly, but they cannot report any lates on a discharged act past your official file date.
(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Established Member

Re: Late payment shows up after Ch 7 BK

They were showing late payments occuring AFTER the filing. 

 

Like I said in OP, I did not have any lates reported prior to the filing. They showed up AFTER the filing.

 

So, that means I have to send in letters to all three CRA to correct those mistakes?

Filed BK7 04/16/2017 | Discharge 07/20/2017
FICO Start               | Current
EQ 589 07/31/2017 | 621 11/4/2017
TU 561 07/31/2017 | 603 11/10/2017
EX 570 07/31/2017   | 609 10/20/2017
$300 CreditOne
Established Contributor

Re: Late payment shows up after Ch 7 BK


audio-disabled wrote:

They were showing late payments occuring AFTER the filing. 

 

Like I said in OP, I did not have any lates reported prior to the filing. They showed up AFTER the filing.

 

So, that means I have to send in letters to all three CRA to correct those mistakes?


What are the dates the lates occurred? If they were before you filed and are reporting as those dates, they are valid. (Even if they just finally displayed on your CR for some weird reason now.)

Ch 7 Discharge May 2015: EQ 588/TU 552/EX 570
Nov 2017: EQ 683/TU 660/EX 668 w/ 24% CC util reporting
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Established Member

Re: Late payment shows up after Ch 7 BK

I honestly think myFICO's Credit Data is poor in how it shows my reports.

 

I did a credit report pull back in February 2017. The only lates I have is on Navient was the following:

 

60 days late, 11/2012

90 days late, 12/2012

120 days late, 1/2013

120 days late, 2/2013

120 days late, 3/2013

120 days late, 4/2013

 

Charged off 5/2013 to 1/2017

 

While the rest of the known accounts that were IIB were all on time. I was making ALL on time payments until my lawyer instructed me to stop paying and I filed for bankruptcy. None of them went 30+ days late.

 

Where and how do I draft up a letter to ask all three credit breaus to correct this mistake? 

Filed BK7 04/16/2017 | Discharge 07/20/2017
FICO Start               | Current
EQ 589 07/31/2017 | 621 11/4/2017
TU 561 07/31/2017 | 603 11/10/2017
EX 570 07/31/2017   | 609 10/20/2017
$300 CreditOne
Established Member

Re: Late payment shows up after Ch 7 BK

Bumping this thread. Hoping someone can help me with me writing a letter or provide a sample letter to correct the late payments on all three CRAs.

 

Thanks!

Filed BK7 04/16/2017 | Discharge 07/20/2017
FICO Start               | Current
EQ 589 07/31/2017 | 621 11/4/2017
TU 561 07/31/2017 | 603 11/10/2017
EX 570 07/31/2017   | 609 10/20/2017
$300 CreditOne
Community Leader
Senior Contributor

Re: Late payment shows up after Ch 7 BK

I think I may be confused on this one.. Looks like you filed 4/2017 but the lates occured in 2012 and 2013?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
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Established Member

Re: Late payment shows up after Ch 7 BK

What I see in my FICO app:

 

Late Payments 30+ Days:

7

 

Late Payments 60+ Days:

7

 

What does the number 7 represent? Seven accounts? If so, I have NOT made any late payments.

 

Time Since Most Recent Late Payment:

3 months

 

I have NOT made any late payments this past year or in 2016.

 

 

For better clarification, I am willing to share a screenshot from myFICO credit report. What do you need specifically to see the late payments to understand better?

 

Please forgive me, I am deaf so English is not my first language if I am not clear.

Filed BK7 04/16/2017 | Discharge 07/20/2017
FICO Start               | Current
EQ 589 07/31/2017 | 621 11/4/2017
TU 561 07/31/2017 | 603 11/10/2017
EX 570 07/31/2017   | 609 10/20/2017
$300 CreditOne