I am post bankruptcy on 2/2008. I found an error on my auto loan payment (which i had reaffirmed.) They reported my payment 30 days late, which it wasnt. I disputed this through all three bureaus, and they sent the bank my request which caused the bank to do a search and came up with 4 LATE PAYS from 2007 & 2006!!!! They had reported these on time but now have changed them to 30 days late. ( These were only 1 day late) Will this hurt my credit score seeing as they were before my discharge? I am desperately trying to rebuild my credit. I have 3 unsecured credit cards, all recieved during bankruptcy, a walmart card from before bankruptcy, the auto loan and i just received a target card last week for $200....I have a checking and savings account also. Anticipating your reply.
Starting Score: 800 Current Score: 800 Goal Score: 850