Big Problem Need Heeelp! DV did not include all account history info how should I handle this? I DV Citifinancial Auto and they sent me a copy of the contact and date of payment history they did not include the information from the OC which was Transouth Financial. I have an acct w/ Transouth Financial -repo that was charged off in 2/13/03 was repo in 12/02. I found out that when I file BK7 in 12/06 and Discharged 3/07 the lawyer included in my BK and I was not aware of it until it started showing on my report as IIBK on 2/11/08. My EQ report now show Citi Financial Auto current status IIBK 7 ,closed 4/07,DOFD 9/02. My EQ report from 1/12/08 shows CitiFinancial Auto current status Repo, CLOSE DATE BLANK, DOFD BLANK, Acct history with status code 06/01= 30days late,7/01 30dys late, 8/01 30dys late, 9/01 60dys late,6/02 90dys late, 10/02 30 dys late, 11/02 60 dys late and Items as of Date Reported 12/02. Shouldn't 6/01 report as the DOFD? Why did the wait a year and 2mths before they decided to report this acct as IIBK?
If my BK 7 have been discharged and this acct was included in the BK should this acct show discharge not just IIBK?
Trans Union-1/14/08 Listed as Transouth Financial 2208 Hwy 121 Bedford,TX Bal(0 ), Pay status: Repo, date closed: 12/02 estimated date that this item will be removed:08/09
Trans Union-2/12/08 Listed as Transouth Financical 2208 Hwy 121 Bedford,TX Bal (0), Pay status: unrated, closed date:12/02, date paid: 4/07, remarks: ch 7 bankruptcy
Experian 1/22/08 Listed as Citi Auto 2400 Lake Park Dr SE STE Smyrna, GA 30080 Bal (0), Status:Repo, Last reported 12/02 Acct History: Repo 12/02, 90DAYS 6/02, 60DAYS 11/02, 9/01, 30DAYS 10/02, 7/01, 6/01
Again Experian Reflect the DOFD as 6/01 and not 9/02
Will my date to drop off state over from the date the BK was filed?
meaning supposed to be 6/2008 vs. 12/2013
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