Questions on Credit Report After Discharge. Need Help.

[Anonymous]

http://www.creditinfocenter.com/community/topic/242666-negative-reporting-on-discharged-debts-update...

Goodfellow Vs. Discover

[Anonymous]

Goodfellow vs. Disscover

http://www.creditinfocenter.com/community/topic/242666-negative-reporting-on-discharged-debts-update...

[DaveInAZ]

Yes, a CO is one of the worst things on a` CR. They can't CO or even report late after filing, because once you file that debt is under the jurisdiction of a federal judge and they must wait for the judge's eavlauation & decision. After discharge they can't CO or even report late as the debt no long exists, it has been removed/eliminated by a federal judge.

[Anonymous]

Are you citing any case law in your disputes on the late payments/CO reported after filing?

[DaveInAZ]

That thread is a good read, thanks for the link - I booked marked for future references on questions about post-filing late & CO reporting.

No, I wouldn't cite a case decision in disputing, only if creditor refuses to correct the incorrect & illegal reporting. Both the credit bureau & creditor should be aware of those decisions.

[Anonymous]

Yes, they certainly should be aware of them,  however it did not prevent them from reporting incorrectly. This is going to be a long week.

[DaveInAZ]

Well, I tend to give folks the benefit of doubt - if they're reporting correctly to one credit bureau and incorrectly to another it's likely just an error in how they report to that CB. If they refuse to fix the error, then I get tough with them. Don't get stressed out, rebuilding credit after BK is a marathon, not a sprint. If you get everyting fixed in a month or so your CR will be fine the next time you apply for credit, and you don't want to make too many credit inquiries too soon after discharge.

[Anonymous]

16 errors on my husbands Exp And Tu report. Haven't even recd Equifax as of yet. A bit of sprint, since he needs a vehicle.

[DaveInAZ]

Fastest way to dispute is online, on the CB's website - you have 30 days to reaccess the reports through annualcreditreport.com.

[Anonymous]

Not hearing such great things on disputing online. Need to look into this a bit further. Thanks