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I'm finally ready to give a break down of my DC BK 7. Without my sad story of why I'm here (which actually is a doozy)
Filed 7/31/19
MOC 8/29/19
DOC 10/31/19
DC Closed 11/4/19
FICO Scores EX-570, EQ-562, TU-523
I burned:
Capitol One- Plantinum, QS, Auto Loan
Credit One- (2 cards)
Synchrony- Amazon, Walmart, Lowes, Reeds
Lending Club
Prosper
Amex- Platinum, Delta Sky Miles, Blue Cash,
Continental Finance
First Premier- (2 cards)
NFCU- Platinum, LOC
Discover
and of course the IRS
As of today I have one auto loan (less than a month) 1 CC (less than a month) and 1 AU for NTB issued by CitiBank open and current for 22 yrs.
I made my first auto loan payment 2 weeks earlier than the due date for $300 more than the monthly payment. I plan to do so from here on out to pay it off faster.
I did a 3B report thru Experian (checktotal) and Lending Club is reporting a Charge off actually 2 on 11/19 not IIB on the Experian report. The TL is accurate on TU and EQ. I disputed the inaccuracies on Experian and the investigation only lasted 4 days and came back with the same result. I emailed my attorney, and his response was once the BK is over that terminates our business. Sooo, I called Lending Club and got the run around with no answer and they referred me to the CA whom the account was purchased. I called the CA and their response was they haven't reported anything and not sure why LC is telling me to call them. 😩😮 So, I called LC AGAIN and was not able to make any headway.
What should be my next steps?
File a complaint with the CFPB. Include your DC paper, the schedule of all creditors listed in your BK highligted, and a copy of the infraction on your present reports and go from there. Since you already filed a dispute with the CRA. If which is highly inlikely they dont fix it. You can file a complaint and recieve a $1000 reward plus court costs and attorney fees with a consumer finance lawyer. That sucks the BK lawyer slammed the door in your face.
That's a 🍆 move by the BK attorney. Guess people should start asking what after-discharge support is provided when hiring an attorney. I would tell him he needs to handle it because the debts are still affecting you after discharge.
Thanks FireMedic1. I was hoping for you to respond. I will get right on that. I found a consumer law attorney in my area. Just waiting to hear back.
Also, I'm assuming I should garden for a while since I have 2 CC and an installment loan?
I may give him a call on Monday and see what happens. Major disappointment though.
@Anonymous wrote:Thanks FireMedic1. I was hoping for you to respond. I will get right on that. I found a consumer law attorney in my area. Just waiting to hear back.
Also, I'm assuming I should garden for a while since I have 2 CC and an installment loan?
Yep for about 6 months. Then start peeking around the prequals for Disco, TD bank and so forth.
Thanks FireMedic1. Keep ya posted on any further developments on the inaccurate TL.
Of course. Please do. Good Luck!!!!!!!