I pulled my Experian today through myfico.com. Score is 570 currently.
I had a Chapter 7 bankruptcy filed in 10/05, and discharged in 02/06...and only Experian has these problems, which are:
-several accounts in the BK have a "date last active" after the filing or even after the discharge of the BK...11/05, 2/06, 7/06 for example - I'd assume this probably brings my score down a few points
-I have a car loan that I reaffirmed after the BK. Experian claims there was one 90 day late in August 2006 - which is BS, I was 30 days late during the BK, before discharge, but never more than a few days late since and never 30 days ever, let alone 90, after that one 30 day late in Jan '06. It also says "last activity" August 2006. It shows a payment history through last August, but a balance of zero - the reaffirming screwed up the reporting I think.
All three bureaus show this loan discharged with a zero balance, even though I have reaffirmed the vehicle. The lender doesn't send out a bill anymore, I just pay it, perhaps that's part of it.
I tried the online dispute with Experian through myfico - it just said "unable at this time, yadda yadda, privacy, yadda yadda..."
Questions:
-can I go ahead and dispute by mail with just a myfico report or do I have to pull one from Experian?
-would I be better to ask to have the 90 day corrected and leave the car loan showing as discharged, or am I better to show it with a current balance, current last activity date, and an active account? And if I do that, would the legitimate 30 day, that doesn't show up, on an ACTIVE account (even if it was back in Jan 06) be worse than the illegitimate 90 day from August 2006 that's on there now, with it showing as discharged in BK?
Finally, for some reason, myfico's FICO score simulator doesn't allow me to choose my Experian report, just the other two - is it because I pulled the others a week ago and Experian now??
Message Edited by Joe77 on
08-01-2007 07:58 AM