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Late Payments during BK

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Frequent Contributor

Late Payments during BK

Hope this is the right place to post this. I have been rebuilding about a year now as i rebuild i study and read my reports over and over, anyways while looking at my TU report i have five late payments from 2013. I filed capter 13 in march 2011. So my question is can they do that? and is there anything i can do anout it?

Capital One QS 13.000
Discover It 13,000
Amex BCP 10,000
PayPal MC 10,000
Amex HH 6,000
Citi DC 8,000
Penfed 8,500
Amex Cash Magnet 6000
Walmart 10000
Kohls 3000
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Senior Contributor

Re: Late Payments during BK

 


@Kytim wrote:

Hope this is the right place to post this. I have been rebuilding about a year now as i rebuild i study and read my reports over and over, anyways while looking at my TU report i have five late payments from 2013. I filed capter 13 in march 2011. So my question is can they do that? and is there anything i can do anout it?


Since you filed BK in March 2011 only debts incurred before filing would be included in the BK.

 

As far as reporting of late payments a BK filing does not change the credit reporting.   If you have late payments either before or after filing they can be reported to the CRA and appear on your credit report.  

 

Now are these late payments that are showing in 2013 related to a debt you incurred prior to filing BK or are they for debts post filing?

 

If they are prefiling then late payments sould not show for 2013 since you filed for BK in 2011.  However if they are for a post filing debt and you were late then correct information is showing on your CR and you have no basis to dispute. 


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Message 2 of 4
Frequent Contributor

Re: Late Payments during BK

Prior to filing
Capital One QS 13.000
Discover It 13,000
Amex BCP 10,000
PayPal MC 10,000
Amex HH 6,000
Citi DC 8,000
Penfed 8,500
Amex Cash Magnet 6000
Walmart 10000
Kohls 3000
Message 3 of 4
Senior Contributor

Re: Late Payments during BK

In that case I would dispute it, and I would also contact your BK lawyer.


FICO 8 Starting Score

Current Scores




Garden Goal is All Reports Clean

Message 4 of 4
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