Valued Member
Posts: 41
Registered: ‎05-30-2007

You've GOT to be kidding me!!!

Ok...Just got a scorewatch alert (dropped 5 points).  I am in credit repair mode.  Make a long story short:
I filed Chapter 7 BK in 2002.
At that time I had credit cards with Fleet & Citi.  Apperantly during the time I filed through discharge, Bank of America bought out Fleet or Citi?  Ok...Fine....well...they were reporting me waaaay late up through 2006.  I disputed it, and now they have that corrected as included in BK.  Should they be able to report anything, because now it appears I have another CC that I never even had with them???
Second problem:  I had a truck that was financed through BoA as well, that was PIF 2001 which had the very last payment showing up 30 days late.  Well I sent in a GW letter to ask that they remove the late.  They sent me a letter back saying they wouldnt...blah blah blah.  Well....they are now reporting that good account (truck) as included in BK!!!  I can't win for losing.
Any suggestions?  I'm assuming I will just have to start the entire dispute process over??  Sorry for rambling...
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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.