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Haulingthescoreup.....I took your advice and called MYFICO this morning. They show that one of my accounts that was included in my BK in 2006 updated my report in February. Can they do this? What should I do now? They show I had 2 late payments in the past 2 months! Please help!!
mysti_summer wrote:
Haulingthescoreup.....I took your advice and called MYFICO this morning. They show that one of my accounts that was included in my BK in 2006 updated my report in February. Can they do this? What should I do now? They show I had 2 late payments in the past 2 months! Please help!!
"Usually this happens at TU when either the Closed or Paid fields are blank, which then causes the score to date the BK filing from the Reporting date."If you pull your report from annualcreditreport.com, you can give TU the correct date, so that they can report it in that field.
Ah this thread couldn't be any more timely! I am having the same problem with TU. Noticed about a week and a half ago, my score dropped from 670 to 583! The culprit appears to be a tradline that was IIBK but was reported with an updated date of 01/2009. Come to find out this IIBK account was sold to a collection agency on accident (supposedly but I am not buying it...why else do you sell accounts to bk??? TO COLLECT). I have had them "fix" it back to the state it was prior but they have kept the "date updated" as 01/2009.
I have a thread in this forum about the "significance of date updated from TU" but no replies. After a TU pull, I have noticed that the MAJORITY of my IIBK accounts list 2005 "date updated" when in fact the BK was in 2004 .
I am in the process or demanding all CRA's to remove the "date updated" to the date of stay, which was in 3/04.
Sorry guys....but I'm not sure what date I'm supposed to dispute. On my TU report, I have a "Date Verified" of 2/2009. On MYFICO, I have "Status As OF" date as 2/2009 and the "Date of Last Activity" and "Date Paid Out" both say "Not Reported". I don't have a free credit report form anual credit report...do I need that? I did dispute some lates after my BK that were showing and I think that's why they show date verified as 2/2009, but which item should I make them update???? Thank you!
Again, it appears we are having the same problem. I would make them report all dates back to your bankruptcy stay date and nothing past then. I would make sure the remarks say "included in chapter "x" bankruptcy". Balance should read zero.
My tradeline is back to what it was before, except the "DATE UPDATED" is still showing 01/2009. This didn't have to be a Victoria Secret account is it?