Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 34
Registered: ‎01-30-2013
0

question about "negative information" posted after bk discharge

I had a BK chapter 7 filed in dec 09 where the debt was discharged in March 2010.  My American Express card was included in this discharge. I notice that I have negative information posted to my credit reports from AMEX on June of 2010. Can a credit card company post a negative after a discharge? Can i successfully dispute this?

 

Any help would be most appreciated.

 

Thanks!


Starting Score: 640
Current Score: 687
Goal Score: 720


Take the myFICO Fitness Challenge

Highlighted
Community Leader
Valued Contributor
Posts: 2,441
Registered: ‎11-29-2012
0

Re: question about "negative information" posted after bk discharge

No they can't and yes you can dispute it.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Member
Posts: 9
Registered: ‎10-24-2007
0

Re: question about "negative information" posted after bk discharge

No they can't! Print out copies of the negative info. Write a dispute letter and send copies of the discharge info along with documentation showing AMEX IIB to EQ, TU, and EX. send them certified and document any conversations along with date and times. Keep any and all responses. If that doesn't work hire an attorney!

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.