Need some advice

[Andy-Griffin]

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?

[Lurker22]

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@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?

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

[Creditwiser]

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

[sccredit]

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

[FireMedic1]

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.