SHOULD I TAKE THE CHANCE AND DISPUTE?

[youngguns996]

Sorry I'm posting again, I posted this in Mortgages, but I believe this forum is the most appropriate.

I filed for bankruptcy in 2010 and included my BOA mortgage, the home was eventually foreclosed in July 2012. On my credit reports Bank Of America is reporting the account as included IIB, with a zero balance, they also are reporting about 36 late payments which were pre-bankruptcy. This late payment history is killing my credit score. I need to dispute this info and get the late history or possibly the account deleted. Although I have been late (not as many times as being reported) I am afraid to dispute this info because BOA may report back that the home was a foreclosure.  SHOULD I TAKE THE CHANCE AND DISPUTE? I think it may be worth it, I don't think it would hurt my credit report or score and worse than it already is. (36 late payments including 30, 60, 90, 120, 150, 180+ history)

Advice would be much appreciated.

[RobertEG]

The BK discharged the debt, but not the prior history of the account.

What  would be your asserted basis for inaccuracy in their reporting?

[youngguns996]

I don't believe I had that many late payments.

[youngguns996]

I'm just hoping to get the history deleted. Risk Reward?

[RobertEG]

The dispute would relate only to the delinquencies you assert are inaccurate, and not to all derogs.

The outcome, if favorable, would result in update to remove only the inaccurate delinquencies, but would not apply to the accurate reportings.

With the large number of deliquencies, the result would most likely have minimal scoring impact.

[youngguns996]

If I dispute, I have to pray that BOA excludes the payment history.

[BatHunters]

Send them a good will letter instead and see if they remove some or all of them. If they don't respond, send another.