My Chapter 7 was discharged on 10/16/2012. I pulled Experian this morning and accounts read for JUN - OCT “Debt included in or discharged through Bankruptcy Chapter 7” in payment status & FP (Failed to Pay) in the 24-Month Payment History. Is this inaccurate reporting & hurting my fako score?
Starting Score: EQ 470 EX ?? TR 584 Chapter 7 filed 06/18/12 Trustee Mtg 08/16/12 Discharged 10/16/12 Current Score: EQ 470 EX ?? TR 501 1st Goal Score: 650 Across the Board On the path to home ownership ~ Currently Gardening until 12/2013
I'm running into this after a chapter 13 discharge.
To complicate matters even more... my mortgage was sold twice during chapter 13 and all 3 mortgage creditors are showing FP for the same month.
My second mortgage is showing an FP (Failed to Pay) too but from a different month/year.
To top it all off I did not include either mortgage in my payment plan and never missed a payment. The FP's from the first mortgage is from Nov/2013 which is when I started my plan. The FP from my second happened on the month of the final payment to them.???
I called Experian to dispute and they said that they are not showing up as "30+ days Late" so everything is fine and that HP's do not see the FPs.
I don't trust this and doubt that it is not affecting my score
Chapter-13 filed 11/13 discharged 06/16 Starting MyFico Scores 09/16 - (EQ 630 | TU 581 | EX 592) Current Scores 1/18 - (EQ 722| TU 686 | EX 718)