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Need some advice

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Andy-Griffin
Established Member

Need some advice

I know the credit repair grift is supposed to be avoided, but I understand why people use them. LOL

 

This has been stressful and confusing for me digging through my credit reports!

 

So, tonight I found a closed account. This is a JPMCB card. Apparently, this was one of my wife's cards that I was an AU on. It was included in our BK7. However, on my Equifax report, it is showing a balance owed with 120+ days late. It says nothing about BK7, and my utilization is 103% on this account.

 

Can I just simply dispute this and have them fix this?



Message 1 of 5
4 REPLIES 4
Lurker22
Frequent Contributor

Re: Need some advice


@Andy-Griffin wrote:

I know the credit repair grift is supposed to be avoided, but I understand why people use them. LOL

 

This has been stressful and confusing for me digging through my credit reports!

 

So, tonight I found a closed account. This is a JPMCB card. Apparently, this was one of my wife's cards that I was an AU on. It was included in our BK7. However, on my Equifax report, it is showing a balance owed with 120+ days late. It says nothing about BK7, and my utilization is 103% on this account.

 

Can I just simply dispute this and have them fix this?


If you were just an Authorized User yes, absolutely and I would encourage you to dispute it

Message 2 of 5
Creditwiser
Valued Contributor

Re: Need some advice

Had the same situation with my BK7 on 3 accounts.  Should be a fairly simple dispute.

NFCU Visa 30k | NFCU Platinum 30k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 30K | Discover IT 14K | CFNA FS 3200 | CareCredit 20k| Paypal Credit 5k | 1 months until BK7 disappears |
( EE from TU & EX )
Message 3 of 5
sccredit
Valued Contributor

Re: Need some advice

Definitely dispute it. If they don't remove file a CFPB complaint. IME once that happens they will remove asap. 

Message 4 of 5
FireMedic1
Community Leader
Mega Contributor

Re: Need some advice

Send in supporting documents like a copy of your filing. If that doesnt work your lawyer can go after them and get fined $1000 plus lawyer fees for violating BK laws.


Message 5 of 5
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