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