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Is this something I need to dispute

MauiMan85209
Established Contributor

Is this something I need to dispute

My score on EX is 40 pts lower than my other 2 scores and I believe it is this particular account.  I filed BK7 in 8/2014 and discharged 12/2/2014 and only had 2 credit cards at the time, one was Cap1 and other was Barclay Apple and neither card was ever late even going into the BK yet EX is reporting that card late while TU & EQ shows normal but IIB.  By the images I've supplied should I dispute that EX account and if so, what should I tell the CRA?cap2.jpgcap2a.jpg

" EX 718 EQ 730 TU 737 MMS 742"
Message 1 of 10
9 REPLIES 9
RobertEG
Legendary Contributor

Re: Is this something I need to dispute

A creditor cannot report a delinquency that is asserted to have occured after BK.

That also applies to a derog in the form of a legitimate charge-off that was taken on a debt that has been discharged by BK.

While the CO may be proper, its reporting is not.

 

Yes, file a dispute with the CRA, with the basis being the reporting of a delinquency on an account with a debt that was discharged under BK.

Message 2 of 10
MauiMan85209
Established Contributor

Re: Is this something I need to dispute


@RobertEG wrote:

A creditor cannot report a delinquency that is asserted to have occured after BK.

That also applies to a derog in the form of a legitimate charge-off that was taken on a debt that has been discharged by BK.

While the CO may be proper, its reporting is not.

 

Yes, file a dispute with the CRA, with the basis being the reporting of a delinquency on an account with a debt that was discharged under BK.


It was current up till contacting my attorney and was told to no longer pay that card, it wasn't after the BK as the card was already closed once the creditor was notified of filing.

" EX 718 EQ 730 TU 737 MMS 742"
Message 3 of 10
RobertEG
Legendary Contributor

Re: Is this something I need to dispute

So it was closed and delinquent at time of filing?

Message 4 of 10
MauiMan85209
Established Contributor

Re: Is this something I need to dispute

No, it was open and current
" EX 718 EQ 730 TU 737 MMS 742"
Message 5 of 10
MauiMan85209
Established Contributor

Re: Is this something I need to dispute

Should I also include a copy of BK form to upload to CRA or could they see it and wouldn't need to send.
" EX 718 EQ 730 TU 737 MMS 742"
Message 6 of 10
RobertEG
Legendary Contributor

Re: Is this something I need to dispute

I would include a copy in order to provide proof of the dates to compare with the date of the asserted delinquency.

Message 7 of 10
MauiMan85209
Established Contributor

Re: Is this something I need to dispute

Thank You all

" EX 718 EQ 730 TU 737 MMS 742"
Message 8 of 10
RonM21
Valued Contributor

Re: Is this something I need to dispute

Hope this works out for you with little issue.
                

TCL: $306,100Utiliz: 6%AAoA: 5yrs 2mOther: Lease, Loan, *No MortgageCollections-Lates-BK's: 0

LWS-35k | BOA-50k | AMX-32.4k | DISC-33.6k | ALNT-25k | NFCU-33k | BARC-15k | BBUY-12k | CSE-10k | CP1-10k | CITI-11.7k | PF-38.4k


Message 9 of 10
MauiMan85209
Established Contributor

Re: Is this something I need to dispute

So I disputed it as was told exactly what to do and they updated the information, just 4 days ago I got an alert from here that my score went up 27 points but there was also a new account ( a 2k AU Citi card) that showed up.  Not sure if the 27 pts was from the dispute or a combination of both.

" EX 718 EQ 730 TU 737 MMS 742"
Message 10 of 10
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