I just disputed two Capital One accounts with experian. While I'm happy that now my score has jumped a great deal, I noticed something.
I filed chpt 13 in 2004. Both accounts were included in it. Then converted to a chapter 7 in August of this year.
So my report USED to show that I was "wage earner plan" with a balance of $1,756 (or something like that). When I disputed it to show a 0 balance, they updated it to show "included in chapter 7 bankruptcy" with a 0 balance - BUT - it now shows late payment all the way up to my filing of chapter 7. Is this correct? I thought they couldn't report late after any bankrupcy?
