Established Member
Posts: 1,163
Registered: ‎01-22-2008
Re: Late Payments after filing but before discharge
Yep.  Dispute any late payments, co, bad debt/charge off notations.  May of 07 would be the last month late payment or collection notations would have been permitted.  Anything after that violates the bk stay.  My bk was back in 2004 and when I found this site and started clean up, I found an account that was IIB, and continued to report late payments all the up to as current as sept 2008.  So for four years, every month I had a late payment notation on this account that was IIB.  I disputed it with both the CRA and the OC, it ended up being deleted entirely. 

CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16