I filed a small claims this am against a local credit union. I am asking for 2000.00 (1000.00) per violation of the FCRA.
They posted as charged off (charged off in Jan 2009) an account that was included in my chapter 7 bankruptcy in 2001. This account fell off my credit report last year per the seven year rule. So they reaged it AND have put a debt older than 7 years back on my credit report.
Secondly, I believe that they have violated the permanent stay placed on this debt by my bankruptcy discharge.
These are my justifications.
After doing this, I am now nervous. LOL So does anyone have any points of the FCRA that I could use other than sections 605 and 617?
They posted this information the exact day I had my credit pulled for a mortgage application. So they have really damaged my chances in that regard.
I guess I am looking for suggestions and information that I could use in my defense in court. I am positive that the judge will not be in my favor, even though I am the plaintiff in this case. I am not a member of the ole boy network.