topic Anxious to dispute accts on CR's post DC..... in Bankruptcy

Anxious to dispute accts on CR's post DC.....

twono — Sat, 19 Oct 2019 12:26:35 GMT

So i have 3 PENFED accts that are reporting differently on the 3 bureaus and am getting impatient as far as disputing the inaccuracies.

The accts are a credit card, a PLOC, and a personal loan.

The credit card is closed $0/IIB on all 3 bureaus.

The PLOC is OPEN on all 3 bureaus, and shows $0 on TU/EQ, but shows a bal that is at 95% utilization on EX and is listed under 'credit cards'.

The Personal Loan is OPEN on all 3 bureaus and shows a bal that is 43% paid off. Also shows my monthly payment.

All 3 accts were last updated on June 1, 2019.....25 days before i even filed my BK 7.

Info came from a 3B report from CCT. Myfico shows the same.

Scores are 611 EX, 605 EQ and 579 TU.....TU shows 28 accts with late payments, vs. NO lates on EX/EQ.

Those scores should demonstrate that lates on your reports prior to filing, absolutely affect your post DC scores and where your score starts the rebuild process.

If EX reported the PENFED PLOC closed, $0/IIB, i'd probably be in the 620's.

Looks like cleaning up reports post-DC is gonna be the biggest PITA.

DC was Oct. 1 btw.....I know i know, give it 30 days. But myfico hasn't alerted me of any acct changes in 2 wks. I look at my reports from 10 different sources, including the backdoor way to look at and dispute accts on EX, EQ and TU.

Re: Anxious to dispute accts on CR's post DC.....

FireMedic1 — Sat, 19 Oct 2019 16:13:41 GMT

@twono wrote:
So i have 3 PENFED accts that are reporting differently on the 3 bureaus and am getting impatient as far as disputing the inaccuracies.
The accts are a credit card, a PLOC, and a personal loan.

The credit card is closed $0/IIB on all 3 bureaus.

The PLOC is OPEN on all 3 bureaus, and shows $0 on TU/EQ, but shows a bal that is at 95% utilization on EX and is listed under 'credit cards'.

The Personal Loan is OPEN on all 3 bureaus and shows a bal that is 43% paid off. Also shows my monthly payment.

All 3 accts were last updated on June 1, 2019.....25 days before i even filed my BK 7.

Info came from a 3B report from CCT. Myfico shows the same.

Scores are 611 EX, 605 EQ and 579 TU.....TU shows 28 accts with late payments, vs. NO lates on EX/EQ.

Those scores should demonstrate that lates on your reports prior to filing, absolutely affect your post DC scores and where your score starts the rebuild process.

If EX reported the PENFED PLOC closed, $0/IIB, i'd probably be in the 620's.

Looks like cleaning up reports post-DC is gonna be the biggest PITA.

DC was Oct. 1 btw.....I know i know, give it 30 days. But myfico hasn't alerted me of any acct changes in 2 wks. I look at my reports from 10 different sources, including the backdoor way to look at and dispute accts on EX, EQ and TU.

Patience grasshopper. Let it play out. EX will catch up in time.

Re: Anxious to dispute accts on CR's post DC.....

twono — Sat, 19 Oct 2019 17:04:30 GMT

@FireMedic1 wrote:
@twono wrote:
So i have 3 PENFED accts that are reporting differently on the 3 bureaus and am getting impatient as far as disputing the inaccuracies.
The accts are a credit card, a PLOC, and a personal loan.

The credit card is closed $0/IIB on all 3 bureaus.

The PLOC is OPEN on all 3 bureaus, and shows $0 on TU/EQ, but shows a bal that is at 95% utilization on EX and is listed under 'credit cards'.

The Personal Loan is OPEN on all 3 bureaus and shows a bal that is 43% paid off. Also shows my monthly payment.

All 3 accts were last updated on June 1, 2019.....25 days before i even filed my BK 7.

Info came from a 3B report from CCT. Myfico shows the same.

Scores are 611 EX, 605 EQ and 579 TU.....TU shows 28 accts with late payments, vs. NO lates on EX/EQ.

Those scores should demonstrate that lates on your reports prior to filing, absolutely affect your post DC scores and where your score starts the rebuild process.

If EX reported the PENFED PLOC closed, $0/IIB, i'd probably be in the 620's.

Looks like cleaning up reports post-DC is gonna be the biggest PITA.

DC was Oct. 1 btw.....I know i know, give it 30 days. But myfico hasn't alerted me of any acct changes in 2 wks. I look at my reports from 10 different sources, including the backdoor way to look at and dispute accts on EX, EQ and TU.
Patience grasshopper. Let it play out. EX will catch up in time.

Thanks firedmedic....Is there any consequence to me disputing the PENFED accts by snail-mailing a letter to EX with a oopy of the DC and the list of creditors that will show PENFED being IIB?

If all i'm out is $0.32 for a stamp and a sheet of printer paper, i think it's worth the peace of mind. Why torment myself for 2 wks waiting for father time to correct the EX reporting of the PENFED accts. If i can give father time a swift kick in the ass, then why not? lol.

Re: Anxious to dispute accts on CR's post DC.....

FireMedic1 — Sat, 19 Oct 2019 22:22:43 GMT

@twono wrote:
@FireMedic1 wrote:
@twono wrote:
So i have 3 PENFED accts that are reporting differently on the 3 bureaus and am getting impatient as far as disputing the inaccuracies.
The accts are a credit card, a PLOC, and a personal loan.

The credit card is closed $0/IIB on all 3 bureaus.

The PLOC is OPEN on all 3 bureaus, and shows $0 on TU/EQ, but shows a bal that is at 95% utilization on EX and is listed under 'credit cards'.

The Personal Loan is OPEN on all 3 bureaus and shows a bal that is 43% paid off. Also shows my monthly payment.

All 3 accts were last updated on June 1, 2019.....25 days before i even filed my BK 7.

Info came from a 3B report from CCT. Myfico shows the same.

Scores are 611 EX, 605 EQ and 579 TU.....TU shows 28 accts with late payments, vs. NO lates on EX/EQ.

Those scores should demonstrate that lates on your reports prior to filing, absolutely affect your post DC scores and where your score starts the rebuild process.

If EX reported the PENFED PLOC closed, $0/IIB, i'd probably be in the 620's.

Looks like cleaning up reports post-DC is gonna be the biggest PITA.

DC was Oct. 1 btw.....I know i know, give it 30 days. But myfico hasn't alerted me of any acct changes in 2 wks. I look at my reports from 10 different sources, including the backdoor way to look at and dispute accts on EX, EQ and TU.
Patience grasshopper. Let it play out. EX will catch up in time.

Thanks firedmedic....Is there any consequence to me disputing the PENFED accts by snail-mailing a letter to EX with a oopy of the DC and the list of creditors that will show PENFED being IIB?

If all i'm out is $0.32 for a stamp and a sheet of printer paper, i think it's worth the peace of mind. Why torment myself for 2 wks waiting for father time to correct the EX reporting of the PENFED accts. If i can give father time a swift kick in the ass, then why not? lol.

To keep you from getting a Rx from your MD for anxiety. Why not?