Hello Everyone, I am a long time lurker but first time poster. I have a couple questions about my credit report reporting 2 closed accounts that were included in a ch 13 bankruptcy filed in 6/2009 and discharged in 7/2014.
I'm in the middle of a mortgage refinance and I got a report from the bank with my credit score but also mentioned that I had lates on my report. I was quite confused about this because I am incredibly meticulous about paying my bills early and in full.
So I just now pulled all 3 reports and they are showing 2 of the accounts IIB as the lates. From 9/2009 to 1/2014 credit bureau reports as NR.
From 2/2014 to 6/2016 it is showing 180 days late for each month.
Now 7/2/2016 last report shows pays as agreed. I haven't paid a dime on these accounts since 2009...
They are both Comenity accounts.
Despite this, I was approved for my mortgage refinance and is in final review.
Thanks in advance for any helpful advice anyone may have.
If they were discharged in BK then they cannot be late post the filing date so I would dispute those as being in error and get them to show as IIB. Welcome to the board
Thank you! I contacted all 3 bureaus and have filed a dispute. Comenity closed the accounts in 6/09 but started reporting again in 2/14, showing 29 straight months late(yikes). Apparently I haven't checked my credit reports in a while or I would if caught this sooner, which is my fault.
And if it seems weird that my username is different, something went wrong with my original account so I had to start a new one, who knows what I did, lol.
Again thank you for your response!