Chapter 13

[nineironkitty]

Has anyone had any luck getting creditors to correctly report Chapter 13?  I've attached the link to the guidelines, I stil have my former mortgage company and a couple of other creditors reporting included in bankrtupcy instead of showing that I not only made the payments but also paid off the debt!  This is killing my credit even 4 years later!

[mod cut] 

What to I do now?  I don't know if my BK attorney would be willing to sue the creditors, I live in a different state now.  I have made late payments on the BK, but  am current and should be completely done in 10 months.  Do I really have to wait for it to be discharged to buy a house???

I had the scores high, but then I got sick without insurance and now have medical bills reporting.  I thought that medical bill collections could no longer be counted toward a credit score as people can't help getting sick (I was diagnosed with Multiple Sclerosis).

mod edit: link was to a bk attorney- not guidelines ~ Lexie, myFICO Moderator 

[TRC_WA]

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@nineironkitty wrote:

Has anyone had any luck getting creditors to correctly report Chapter 13?  I've attached the link to the guidelines, I stil have my former mortgage company and a couple of other creditors reporting included in bankrtupcy instead of showing that I not only made the payments but also paid off the debt!  This is killing my credit even 4 years later!

  Do I really have to wait for it to be discharged to buy a house???

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If the creditor is reporting IIB and it wasn't, maybe try disputing with the CRA?

As far as new credit (house)... talk to your attorney and the trustee.  

[nineironkitty]

Yes the ones being reported were IIB.  However, the 1st mortgage was completly caught up and I also paid the payments outside the bankruptcy.  I sold the house 6 months after they were caught up and paid off both mortgages completely.  I wasn't required to pay the 2nd mtg during the bankruptcy as it was scheduled to be "stripped" as the value of the property was less than what I owed when I filed BK13.

Luckily for them, I paid both off and now I am beng totally punished for it.  I don't know how but my credit score dropped 60 points from last October for no reason I can think of.  I've now been in the BK13 for 4 years and I'll be done in 10 months.