late pay reporting after filing

[teddingt]

I am just wondering if a creditor can do this.  I filed on 6-6-2016 and they are just now reporting a late payment.  

Thanks

[Scupra]

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@teddingt wrote:

I am just wondering if a creditor can do this.  I filed on 6-6-2016 and they are just now reporting a late payment.  

Thanks

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Is the late before or after the file date?

[teddingt]

Before

[Scupra]

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@teddingt wrote:

Before

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If you were actually late that month and it was before you filed it is reporting correctly.

[Anonymous]

I'm with Scupra,

What was late on the day you filed, is still late as it was before you filed.

If they give you late dings after filing, those can be removed fairly easy.

I just had 16 (yes sixteen) 90 day lates removed on a car i gave back on my filing date of CH13 4 1/2 years ago.

Good luck!

[BizyBee]

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@Anonymous wrote:

If they give you late dings after filing, those can be removed fairly easy.

I just had 16 (yes sixteen) 90 day lates removed on a car i gave back on my filing date of CH13 4 1/2 years ago.

Good luck!

 Do you wait until after you've been discharged to get those removed?

[Anonymous]

I did but only because I didn't start this process till late in my discharge.

I'd start right away!

I got 1 removed by calling the creditor and asking nicelyou and reminding them it should be closed, IIB, and a zero balance with no latest after the filing.

[Anonymous]

If it's a credit union, they are a little more lax with a good reason than others. If it's a collection agency or a larger company they generally won't change the credit reporting since they are more strict with following their reporting guidelines.

[pizza1]

They can report "late" on the filing month of your BK, but can't after that. They are reporting legally and correctly.