cancel
Showing results for 
Search instead for 
Did you mean: 

(Moved) So I got an updated Credit Reports from MyFICO...need your feedbacks...

Frequent Contributor

(Moved) So I got an updated Credit Reports from MyFICO...need your feedbacks...

I couldn't find to "move" my post to here so I had to copy & paste here after someone suggested it to be here.  
 
So I got an updated Credit Reports from MyFICO....need your feedbacks...

Credit Report December 28, 2015 MyFICO….

I filed Bankruptcy Chapter 7 on March 8th which was discharged on June 16th.

I need your feedback which is needed to fix and exactly how?

After discharged I currently have 3 new credit cards which all are reporting on time payment (Yay!)

Now for these that was included in BK7…

CreditOne (ONLY on Experian issue all 2 other are correct)
Opened: August 2014
Status Date: June 2015
Condition: Closed
Balance: $0
Status: Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12
Late 30 days: 1 time (OCT 2014)
Late 60 days: 1 time (NOV 2014)
Late 90 days: 5 times (JUN 2015, March 2015, FEB 2015, JAN 2015, DEC 2015) (Why is it reporting JUNE 2015 even I filed in MARCH!?!?)
Worst Delinquency: Collection (The other 2 CR shows “None Reported”)
Remarks: Purchased By Another Lender (The 2 other CR’s remarks says “Ch 7 BK”

Capital One (ONLY on Experian again as other 2 CR shows correctly)
Opened: July 2014
Status Date: June 2015
Condition: Closed
Balance: $0
Status: Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12
Late 30 days: 1 time (NOV 2014)
Late 60 days: 1 time (DEC 2014)
Late 90 days: 4 times (JUN 2015, MAY 2015, FEB 2015, JAN 2015) So they shouldn’t report 2 lates for MAY & JUN????
Remarks: Account Closed At Credit Grantor’s Request (The other 2 CR shows Ch 7 BK)
Worst Delinquency: Collection (The other 2 CR shows “None Reported”)

Credit Union Visa (ONLY on Experian again!)
Opened: FEB 2014
Status Date: June 2015
Condition: Closed
Balance: $0
Status: Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12
Late 30 days: 1 time (AUG 2014)
Late 60 days: 1 time (SEP 2014)
Late 90 days: 7 times (JUN 2015, MAY 2015, FEB 2015, JAN 2015, DEC 2014, NOV 2014, OCT 2014) So they shouldn’t report 2 lates for MAY & JUN????
Remarks: Account Closed At Credit Grantor’s Request (The other 2 CR shows Ch 7 BK)
Worst Delinquency: Collection (The other 2 CR shows “None Reported”)

Chase Bank Credit Card (Again, Experian)
Opened: September 2013
Status Date: June 2015
Condition: Closed
Balance: $0
Status: Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12
Late 30 days: 1 time (AUG 2014)
Late 60 days: 1 time (OCT 2014)
Late 90 days: 7 times (JUN 2015, APR 2015, MAR 2015,  FEB 2015, JAN 2015, DEC 2014, NOV 2014) So they shouldn’t report 2 lates for APR & JUN????
Remarks: Account Closed At Credit Grantor’s Request (The other 2 CR shows Ch 7 BK)
Worst Delinquency: Collection (The other 2 CR shows “None Reported”)

"Furniture Store" Charge Account (Experian only)
Opened: September 2012
Status Date: June 2015
Condition: Closed
Balance: $0
Status: Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12
Late 30 days: 1 time (NOV 2014)
Late 60 days: 1 time (DEC 2014)
Late 90 days: 4 times (JUN 2015, MAR 2015, FEB 2015, JAN 2015) So they shouldn’t report 1 late for JUNE????
Remarks: Account Closed At Credit Grantor’s Request (The other 2 CR shows Ch 7 BK)
Worst Delinquency: Collection (The other 2 CR shows “None Reported”)

Now for Installment Accounts….

LoanMe, Inc. (Experian Only)
Opened: October 2014
Status Date: June 2015
Condition: Closed
Balance: $0
Status: Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12
Late 30 days: 1 time (JAN 2015)
Late 60 days: 1 time (FEB 2015)
Late 90 days: 4 times (JUN 2015, MAY 2015, APR 2015, MAR 2015) So they shouldn’t report 3 lates for APR, MAY and JUNE????
Remarks: Account Closed At Credit Grantor’s Request (The other 2 CR shows Ch 7 BK)
Worst Delinquency: Collection (The other 2 CR DOES NOT SHOW LoanMe at all)

U.S. Dept. of Education/GLELSI
I’m surprised it no longer says “IIB” ANYWHERE on all 3 CR!!! It just says Paid or paying as agreed and This is an account in good standing! Is this normal for those who included their student loan(s) and see it doesn't say "IIB"??

Now this is the last one…
Toyota Motor Credit (again, ONLY on Experian!!!)
Loan Type: Vehicle Loan
Date Opened: July 2012
Status Date: June 2015
Condition: Closed (Only Equifax shows Open!?!?)
Balance: $0
Status: IIB except TU shows “Paid or paying as agreed” (No complain here LOL)
It shows all GREEN dots meaning I’ve been paying it on time, never lates EXCEPT JUNE 2015!!!
Worst Delinquency: Collection (**bleep**?)
Terms: 60 Months
Remarks: (Blank for EX but EQ and TU shows Ch. 7 BK) When I hovered over that red dot for June 2015, it says “Charge off”

The fact is that I paid my car loan on time, never late, never collections, never charged off….as a matter of fact I paid in full 2 years early few months post BK! I did not reaffirm with Toyota because my lawyer refuse to let me. I already got the title back from Toyota after paid in full, So what gives?

The rest of CR shows old accounts, all perfect payments, some joint with my ex-wife all closed my consumer’s request (I had to force my ex-wife to close *ANY* joint accounts before the divorce was final, I removed myself as an AU one couple of her accounts before divorce as well, and removed her AU on any of my accounts.

BK7 Filed 3/15, Discharged 6/15
Starting FICO: 7/05/15: EQ: 490, TU: 497, EX: 477
Current FICO 5/16/17: EQ: 691, TU: 693, EX: 706
/i1078.photobucket.com/albums/w485/oldschoolmafia/862xJzu_zpsvmvl11zb.png" height="50" title="American Express Blue Cash Everyday (AUTHORIZED USER): SL $2,000 Opened January 2016, Now $12,000ms/w485/oldschoolmafia/quick-silver_zps28kb8iko.jpg" height="50" title="Capital One Quicksilver: SL $3,000 Opened April 9 2016, now $6,500 CL!">
1 REPLY
Highlighted
Established Contributor

Re: (Moved) So I got an updated Credit Reports from MyFICO...need your feedbacks...

As far as the lates go, I had a similar issue for lates between filing and discharge and disputed it. The CRA came back saying it was valid to report any lates before discharge is actually ordered. I didn't think that was how it worked but they weren't going to budge and it's so close to falling off my CR imnitgoing to fight it.