Deets:
Chapter 7 BK Filed January 2012, Discharged May 2012.
Cash Call loan (stupid, I know), last payment July 2010, discharged in BK.
TU isn't showing it all.
EX is showing it as discharged in BK, status dated May 2012, though in the payment history it shows:
LATE 30 DAYS 1 time (Sep 2010)
LATE 60 DAYS 1 time (Oct 2010)
LATE 90 PLUS DAYS 4 times (May 2012, Jan 2011, Dec 2010, Nov 2010)
EQ is showing it as a Charge-off, status dated Nov 2013
The November status date coincides with a dispute I filed with EQ regarding the fact that the account wasn't showing as discharged in the BK.
I sent them copies of the BK documents.
My questions:
It is supposed to show that it was discharged, isn't it?
And the status date of November 2013 is illegal, isn't it?
Should I dispute the late in May 2012, on Experion, since I filed in January?
Should I redispute with Equifax? I don't want to redispute if it's just going to update the status date.
