Contributor
Posts: 230
Registered: ‎10-01-2012
Does "Date Reported" impact your score?

I understand that it is a violation of FCRA for a creditor to continue to report regularly a debt discharged through BK.   I went over my report again and found just one - Target - that was discharged in 2006, still reporting monthly.  Although it says 0 balance, and status is discharged through BK, and the date of status is 5/2006.  However, under last reported, it says 9/2012.   

 

Does this have any impact on my score?  If it does, then I want to notify them that they are to cease and desist reporting this monthly.  If not, then I won't bother.

Moderator
Posts: 13,871
Registered: ‎04-15-2011
Re: Does "Date Reported" impact your score?

Nope, just updated.  Nothing changes.  It doesn't matter when it's updated.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Contributor
Posts: 230
Registered: ‎10-01-2012
Re: Does "Date Reported" impact your score?

Okay, thanks!  I won't bother it then.