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late pay reporting after filing

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teddingt
Regular Contributor

late pay reporting after filing

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

re bk
EQ 572 TU 540 EXP 545
Current
EQ 598 TU 556 EXP 557
Discharge
09.16.2016

Message 1 of 9
8 REPLIES 8
Scupra
Super Contributor

Re: late pay reporting after filing


@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


Is the late before or after the file date?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
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Message 2 of 9
teddingt
Regular Contributor

Re: late pay reporting after filing

Before

re bk
EQ 572 TU 540 EXP 545
Current
EQ 598 TU 556 EXP 557
Discharge
09.16.2016

Message 3 of 9
Scupra
Super Contributor

Re: late pay reporting after filing


@teddingt wrote:

Before


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

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 4 of 9
Anonymous
Not applicable

Re: late pay reporting after filing

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!

Message 5 of 9
BizyBee
Member

Re: late pay reporting after filing


@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?

Message 6 of 9
Anonymous
Not applicable

Re: late pay reporting after filing

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.
Message 7 of 9
Anonymous
Not applicable

Re: late pay reporting after filing

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.

Message 8 of 9
pizza1
Community Leader
Super Contributor

Re: late pay reporting after filing

They can report "late" on the filing month of your BK, but can't after that. They are reporting legally and correctly.
Message 9 of 9
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