02-02-2010 09:52 PM
I have been reading posts here for the last several months. Very good info. But now I have a question , and hope I can help others in the future as well.
A Short History:
Filed Chapter 7 Bankruptcy Oct. 2008 - It was ugly with a not so nice Trustee
Discharged Jan. '09 - Still awaiting closing as trustee has to dispurse funds from proceeds of items surrendered/auctioned
Credit scores have rebounded slightly, but are stagnant.
18+ years of excellent credit & payment history. No delinquencies up to filing date of BK.
Checked credit reports Mar. '09 to check problems.
Recently denied credit (Credit card from BK friendly (HA!!) bank, on THEIR solicitiation) - Due to no "RECENT" revolving credit.
Which leads to my question, finally.
On my report it shows three accounts that are showing delinquent from the date of our filing until discharge of the BK. This is ironic, as once the BK is filed, lenders will not accept payment. (Usually they return it) and remove all access from online accounts, etc. From what I understand the accounts should NOT show delinquent after the actual filing date.
Can any of the long timers, or anyone who has been through this confirm this, and/or lead me to documentation?
As I mentioned... even until the date of filing I never missed a payment. If it is being reported incorrectly I would like it fixed.
I did contact the CRA via phone. They started a dispute, I actually received a notification the next day and a new copy of the report. They had removed some information totally, corrected a couple entries as well... but the late payments are still showing.
Thanks in advance!
02-25-2010 05:08 PM
10-08-2013 03:10 PM
I have the same problem. Experian is reporting a CO after 3 years of my bk-filing and discharge sooo annoying, I contacted citibank and they said the sold it on 12/10/2010. then sent me a letter stating they cant verifiy, please contact there bk dept. bla bla bla my bk-7 filing was on 9/18/10. they were both entered codes for bk and filed on that date. my discharge was on dec27,2010. All of the sudden in april 2013 they decided to report a Charge off on my citibank account. its not fair! i wanted completely deleted. this has coast me alot of money trying to fix, etc. im soo over it. what happen to the automatic stay act, or other bk code. please help.
10-24-2013 10:41 AM
what should i do? someone please HELPPPPPPPPPPPPPPPPPPP
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.