So my BK was discharged in early July. All my reports are updated, my student loans are reporting again (newest scores in sig), but there's one issue I can't figure out to save my life.
Equifax and Experian all show most "recent missed payment" as 5 months ago, which would be in March when my BK was filed. TU shows 1 month... and I have no idea why. I've combed through my reports, including one from today, and there is nothing with a late payment recently anywhere. I don't understand why it doesn't say 5 months like the other reports and think that's what is holding my score down on TU because all the information is identical (except TU and EQ still count two old AUs I'm no longer on in my age of accounts (7yr11mo) while EX doesn't have them listed so my AAoA is 5yr10mo).
Any ideas of what I can do? Are they counting my bk discharge as the most recent late because otherwise I'm completely boggled right now and don't know if I can dispute this or not without an account to point at.
Also, TU wasn't showing my car loan as closed and IIB, so I disputed it... and it was updated, but then... well, the tradeline was removed from all 3 of my reports.
Anyway, I appreciate any insight you all can give me, if any. thanks!
Does anyone have any idea? Or is this just not the right place to ask?
First call the creditor and ask if they updated everything correctly. Tell them the situation. They dont want to risk going against BK laws. If they say its ok on their end. Then file a compliant with the CFPB and provide (upload) the documents that show your File Date and DC and a copy of the late that is showing up after you BK filing. That should take care of it. Good Luck!