After our BK I pulled all 3 reports. We re-affirmed our auto loan, but not without a catch. our original balance was 11,500 dollars. The bank dropped 3,500 off, and lowered the interest rate by %.25. On only one credit report it showed (after BK) 180 days past due. I contacted the lender, and they were in full agreement that was not correct. So I disputed it, the bank callled me back, and stated they were going to show it as a charge off. i stated it might be written off by your company, but that debt was reffirfmed. So, is it really a charge off that can be reported like that. They made the offer to drop that balance down. Also, during our "stay" one ca had been reporting our current debt as past due, but not the other ca's. my score is currentlly at a 607, I am trying to get an USDA direct loan, but I heaqrd I need a 640. Before the bankruptcy we were never EVER late on our payments. Any thoughts or ideas, please share them I need to understand some of this, and the attorney we used will not give us any help now that our BK is over.
