After BK, everything flipped to IIB, but

[Anonymous]

Late payments

17

Time since late

1 month(s)

Public records

1

Collection accounts

4

Seems like the CA's that flipped to IIB and closed the account made there last late in August when my BK was discharged.  Is this normal?

This was at 9 CA's at time of discharge, Ive gotten 5 removed by help from the forum

[gdale6]

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@Anonymous wrote:

Late payments

17

Time since late

1 month(s)

Public records

1

Collection accounts

4

Seems like the CA's that flipped to IIB and closed the account made there last late in August when my BK was discharged.  Is this normal?

This was at 9 CA's at time of discharge, Ive gotten 5 removed by help from the forum

---

Actually the month prior to BK is the last month a late can be reported, A CA cannot be reporting a monthly payment history either.

[Anonymous]

Here's one of the CA's - it doesnt show any lates, just the last one in August and its now closed.  So this is incorrect?  I should dispute this?  And yes I know this is a collection from a casino.  There was a once a time I had credit at casino's.  

ALLIED COLLECTION SERV

Account Number

XXX

Account Type

Collection

Terms

1 Month

Date Opened

11/01/2010

Account Status

Closed

Payment Status

Paid

Payment Status Details

Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12

Status Updated

08/01/2015

Balance

-

Balance Updated

-

Credit Limit

-

Past Due Amount

-

High Balance

-

Monthly Payment

-

Balloon Payment

-

Contact Phone

(702) 737-5506

Contact Address

3080 S DURANGO DR STE 20, LAS VEGAS, NV 89117

Ownership

Individual

Original Creditor

HARD ROCK HOTEL CASINO

Company Sold-to

-

Original Amount

$1,284.00

Comments

-

Payment History

2013 2014 2015 AUG      No data received for this period. DISPUTE GUIDE >

[RobertEG]

You dont incur additional lates based only on reporting by a debt collector.

Debt collectors dont have codes for reporting of monthly delinquencies on their collecitns.

The lates being referred to were reported by the OC on their account, which can contnue to accrue its own lates.

While shown under the Collections Account heading, it is a formatting on the credit report that was extracted from payment history on the OC account.

No dispute of accuracy of the debt collector reportng would apply.

[Anonymous]

---

@Anonymous wrote:

Here's one of the CA's - it doesnt show any lates, just the last one in August and its now closed.  So this is incorrect?  I should dispute this?  And yes I know this is a collection from a casino.  There was a once a time I had credit at casino's.  

ALLIED COLLECTION SERV

Account Number

XXX

Account Type

Collection

Terms

1 Month

Date Opened

11/01/2010

Account Status

Closed

Payment Status

Paid

Payment Status Details

Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12

Status Updated

08/01/2015               <----    That is what the system is flagging as "Time since Late".

Balance

-

Balance Updated

-

Credit Limit

-

Past Due Amount

-

High Balance

-

Monthly Payment

-

Balloon Payment

-

Contact Phone

(702) 737-5506

Contact Address

3080 S DURANGO DR STE 20, LAS VEGAS, NV 89117

Ownership

Individual

Original Creditor

HARD ROCK HOTEL CASINO

Company Sold-to

-

Original Amount

$1,284.00

Comments

-

Payment History

2013 2014 2015 AUG      No data received for this period. DISPUTE GUIDE >

---

[Anonymous]

Im sorry, I dont really understand your reply.  

There was never an account from the Hard Rock on my reports to begin with.  I had a marker with them based off my gambling habits and trips to Vegas.  I had a balance due that never got paid and it was sold to Allied. As far as I know.  

So is this accurate to report this way?

[Anonymous]

Ok Norman.... so because it was updated 8/1/15 to IIB, that is why my last late is only a month old?  BTW, the 4 CA's I have left have all done this.

[gdale6]

---

@Anonymous wrote:

Im sorry, I dont really understand your reply.  

There was never an account from the Hard Rock on my reports to begin with.  I had a marker with them based off my gambling habits and trips to Vegas.  I had a balance due that never got paid and it was sold to Allied. As far as I know.  

So is this accurate to report this way?

---

I see nothing wrong with the CAs reporting. Had they included monthly history then that would have been questionable as they are not really allowed to do this. Technically they can update it every month if they wanted to and there is no law to stop them...

[Anonymous]

Yeah, its normal. Thats just the way the monitoring softwate works, it looks at the reported date for COs and collections