Date Major Delinquency 1st Reported

BeatingtheSystem · ‎11-19-2009

I filed Ch 7 BK on 12/11/08. I have noticed per my EQ report (pulled from their site) that I have several revolving accounts wherein the "Date of Major Delinquency 1st Reported is 1/09. All others are noted as 1st reported during 12/08.

What is the rule / guideline regarding the "Date of Major Delinquency 1st Reported"? Should I contest the accounts reporting 1/09? Under what basis would I do so? Would doing so help my score at all?

Thanks in advance for your help.

11/3/17: EQ-542, TU-516, EX-532
9/10/17: EQ-539, TU-512, EX-553
8/23/17: EQ-587, TU-565, EX-580

AndySoCal · ‎11-19-2009

I would not dispute this. Disputing this will not affect your score any. Most most underwriting software will look at the dates reported on the bankruptcy public record. The important date to check is the discharge date of the BK make sure that is correct.

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BeatingtheSystem · ‎11-19-2009

thanks for the repsonse...just checked the discharge date...all is good on that end!

11/3/17: EQ-542, TU-516, EX-532
9/10/17: EQ-539, TU-512, EX-553
8/23/17: EQ-587, TU-565, EX-580