My Chapter 13 was discharged in October 09. I am current with my mortgage and paid outside the plan. If they report anything they have to report accurately, is what I understand. They report my mortgage balance is $0 and NO mortgage is identified IN my types of credit usage. They have wiped out ALL good history prior to the bankruptcy (I always paid them on time) Next to the account Mortgage line it says $0 balance but I have 44,000 balance.
Plus it doesn't say discharged. It lists my credit as 2 revolving (correct) 0 Mortgages and 0 Installment loans. In other words I am not getting anything for having prior good history or even HAVING a mortgage, they were never even IN the Chapter 13 plan, yet there is a big RED flag next to their trade line and ZERO balance. Can they do this? They have already told me they won't report on my credit history anymore, but they can't report inaccurately, if they report anything, right?
Status as of
Nov, 2009
Date opened Jul, 1992 Recent activity Oct, 2009 Date Closed Not Reported Account # XXXXXX0139 Loan type Conventional Real Estate Mortgage Largest Past balance $64,700 Terms 360 Monthly Account type Mortgage Account Individual Account Scheduled monthly payment $ correctly listed
CHAPTER 13 Bankruptcy
