Re: Fair Credit Reporting Act
11-06-2012 05:20 AM
Hi. You don't need any ammo, my creditors were reporting 30, 60, 90 days late as well. I filed an on line disupte and indicated no payments ever late and then put in the comments section that I filed bankruptcy in May of 2010 and am protected under the automatic stay law. The lates were changed on my credit report. I too paid up until the time I filed and all the late's have been removed. I am now filing a written dispute with regards to the charge off because they just recently changed that reporting; however, they changed the reporting on the May 2010 date but it was changed just this year. So wish me luck on that one. I am including in my dispute, prior credit reports that show they were not reporting a charge off. Good luck!