topic Re: Discharged Ch 7 Reporting Question in Bankruptcy

Discharged Ch 7 Reporting Question

Throttle — Sat, 17 Aug 2024 19:15:02 GMT

Quick question as i've read conflicting information. Assuming all credit accounts were paid on time with no payments late/missing up to bankruptcy filing date, is it still appropriate for the accounts to report date of first deliquency?

Additionally myfico report shows that experian is labeling all of my BK accounts as 90 days late. However it doesn't show that on my annualcreditreport report. Is that correct and how would I even dispute it since it doesn't show up on their official report?

Re: Discharged Ch 7 Reporting Question

FireMedic1 — Sun, 18 Aug 2024 07:21:34 GMT

Welcome @Throttle

If all payments were on time and never late. The DoFD doesnt apply in BK. The lates are some weird thing the CRA's do. Shows on Vantage especially.

Re: Discharged Ch 7 Reporting Question

IsambardPrince — Tue, 20 Aug 2024 01:44:41 GMT

@Throttle wrote:
Quick question as i've read conflicting information. Assuming all credit accounts were paid on time with no payments late/missing up to bankruptcy filing date, is it still appropriate for the accounts to report date of first deliquency?

Additionally myfico report shows that experian is labeling all of my BK accounts as 90 days late. However it doesn't show that on my annualcreditreport report. Is that correct and how would I even dispute it since it doesn't show up on their official report?

If they weren't late, file disputes on all of the accounts that weren't late and tell them they were never late and should be "Included in Bankruptcy - Never Late".

This actually does make a difference. Not a tremendous one compared to the bankruptcy, but if you leave it alone it will reflect more negatively on you than it should.

Re: Discharged Ch 7 Reporting Question

Throttle — Tue, 20 Aug 2024 03:07:49 GMT

Thank you guys for the responses. I will dispute them.