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Question regarding late payments showing on all 3 CRA

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Anonymous
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Question regarding late payments showing on all 3 CRA

I discharged Ch 7 in July 2015. i have established about 18k worth of credit since then. When i pull up my credit report via CCT. It states i have had 8 late pmnts. then it states 22 months since last late pmnt. i have not had any late pmnts since i have filed for BK. when i look at the accounts. I dont see that any of my accounts reporting are late. is this normal? Is this something i should have looked at? I also notice my TU says i was last late 8 months ago BUT none of my accounts have been late in over 22 months. Any thoughts or suggestions would be greatly appreciated.

Message 1 of 4
3 REPLIES 3
KJT
Contributor

Re: Question regarding late payments showing on all 3 CRA

I was discharged in September 2015 and still have late student loans reflecting from 2014; I've been advised they will remain for 7 years.  

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 768/814 EX 738/744 TU 749/754 AMEX BCE $20K, Delta AMEX $10k, AMEX Everyday $5K, AMEX Gold NPSL, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $9K, BOA Unlimited Custom Cash Visa $5K, BOA Travel Rewards Visa $5K, BBT Travel Reward Visa $7.5K, BBT Brightstar Visa $7.5K, Target $5k, Banana Republic $7k, CITI Custom Cash $3K, NFCU eSignature Visa $40k, NFCU CLOC $15k, NFCU AMEX Rewards $25k, NFCU Classic Visa Signature Flagship Reward $15k, Comendity NFL $27.9k, PayPal $10k, Capital 1 Wal-Mart $7k, Amazon Prime $10k, CITI-Double Cash $3k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; Raymour $5.3, USAA AMEX Reward $14.5K, USSA Visa Reward $9.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $346K.
Message 2 of 4
Anonymous
Not applicable

Re: Question regarding late payments showing on all 3 CRA

whats weird to me is that if i do have anything that was late at one point of time BEFORE my BK, they are no longer on my report so I dont see how they are showing as being late. and i dont know what account they are talking about that was late. i rehabbed all my student loans so those all show paid on time from the beginning.

Message 3 of 4
Scupra
Super Contributor

Re: Question regarding late payments showing on all 3 CRA

Do you have IIB accounts that are updating monthly by chance? Or a similar issue? just thinking out loud here

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
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