I just had my chapter 7 discharged in the beginning of October and my FICO is up to 607 (which makes me very happy) as well as having Capital One approve me for a card (here we go PIF monthly for one tank of gas!) which has made me breathe a small sigh of relief as things are starting to come back to normal (next step my student loans). However, there is a bit of an issue with Experian- I had an Amazon Store Card which was on my chapter 7 and was part of the discharge. TransUnion and Equifax credit reports are looking fine and match up. The Amazon store card is still reporting to Experian that I am 60 days late on my $220 payment (That was discharged mind you) but this is not being reported to TU or Equifax. I called both TU and Equifax and they confirmed that SyncB/Amazon has not reported to them about a late account.
I filed a dispute with Experian to remove this from my report citing by chapter 7 and the fact the other two bureaus are not showing it. Experian has been given a copy of my discharge listing the account in question. Has anyone else had this happen to them post discharge? This could really mess my score up (more than the bankruptcy) in the future.
