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Bankruptcy and late payments

dangerously_caffeinated
Valued Member

Bankruptcy and late payments

Hello everyone -

 

Potentially a stupid question, so bear with me... I filed chapter 7 BK on April 20, 2018. According to my Experian report, my "Latest status date" is October 1, 2018 - I assume this is my discharge date? I can't remember at the time when I did this I was early in my 20s and had no idea what was going on.

 

Following up to that (this is where the stupid question comes in) I have 0 collections on my report, however, the 4 companies that show closed on my profile C1, Chase, Discover, and WF show "Unknown payment history" except for Capital one and Chase they show "6 potentially negative months". Should that be disputed? Wells Fargo and Discover don't show the negative months associated with their cards they just say "Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12" under status.

 

Thank you!

Message 1 of 7
6 REPLIES 6
EquityinScoresNow22
New Contributor

Re: Bankruptcy and late payments

@dangerously_caffeinated Hi. I'm not as experienced as many others but I believe if C1 and Chase were included in the bK, they should be displaying the same as the others. Doesn't cost you anything to dispute it, so that's what I would do. Just make sure you be detailing in documenting the correspondence. Best!

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Message 2 of 7
dragontears
Senior Contributor

Re: Bankruptcy and late payments


@dangerously_caffeinated wrote:

Hello everyone -

 

Potentially a stupid question, so bear with me... I filed chapter 7 BK on April 20, 2018. According to my Experian report, my "Latest status date" is October 1, 2018 - I assume this is my discharge date? I can't remember at the time when I did this I was early in my 20s and had no idea what was going on.

 

Following up to that (this is where the stupid question comes in) I have 0 collections on my report, however, the 4 companies that show closed on my profile C1, Chase, Discover, and WF show "Unknown payment history" except for Capital one and Chase they show "6 potentially negative months". Should that be disputed? Wells Fargo and Discover don't show the negative months associated with their cards they just say "Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12" under status.

 

Thank you!


All lates prior to filing are accurate and get to stay for 7 years unless the lender decides to remove it. Don't dispute accurate information. 

 

Message 3 of 7
Lurker22
Regular Contributor

Re: Bankruptcy and late payments

Agreed, don't dispute anything accurate

and sometimes don't poke the bear either 

Message 4 of 7
FireMedic1
Community Leader
Super Contributor

Re: Bankruptcy and late payments

Lates aren't the killer. The BK is doing the most score harm. No creditor is going to forgive lates after they got burned in BK. Join PACER and you can see all your court documents from your BK. I printed all of my case docs and it sits in a binder. Just in case a zombie collector tries anything. Here my discharge. Delete it. Gone.




Homeowner since Sept 2020. Sharing my experiences after BK from learning here. Rebuild to recovery from the @ 540's.
Message 5 of 7
SUPERSQUID
Valued Contributor

Re: Bankruptcy and late payments


@FireMedic1 wrote:

Lates aren't the killer. The BK is doing the most score harm. No creditor is going to forgive lates after they got burned in BK. Join PACER and you can see all your court documents from your BK. I printed all of my case docs and it sits in a binder. Just in case a zombie collector tries anything. Here my discharge. Delete it. Gone.


An old medical bill showed up in my mailbox 2 years after my bk7 and i simply sent it back to the collection agency with my bk info and poof the debt dissapeared.

{ BK7 DC 12/2019 } target 1000/ kohls 2500/ discover 3k / 2nd discover 6k cl/mercury 3350 /ollo 600 / ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 2k/ cap 1 savor one 3100 /comenity rewards mc 1k, Penfed PCR signature visa 7.5k, NFCU >signature visa cash rewards 9700/bread cashback amex 6k

>/ nfcu platinum 3k, BABY NEEDS NEW SHOES !!!!!
Message 6 of 7
FireMedic1
Community Leader
Super Contributor

Re: Bankruptcy and late payments


@SUPERSQUID wrote:

@FireMedic1 wrote:

Lates aren't the killer. The BK is doing the most score harm. No creditor is going to forgive lates after they got burned in BK. Join PACER and you can see all your court documents from your BK. I printed all of my case docs and it sits in a binder. Just in case a zombie collector tries anything. Here my discharge. Delete it. Gone.


An old medical bill showed up in my mailbox 2 years after my bk7 and i simply sent it back to the collection agency with my bk info and poof the debt dissapeared.


Ha! Take that! Congrats!




Homeowner since Sept 2020. Sharing my experiences after BK from learning here. Rebuild to recovery from the @ 540's.
Message 7 of 7
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