Established Contributor
kjm79
Posts: 1,008
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. 

Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)
Current Score: (5/12) TU 699 (myFICO) TU 709 (WalMart) EQ 690 EX 686 (CC denial 7/11)
Goal Score: 720 Across the Board by Mid 2012
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