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Our credit report shows no BK discharge date

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    Our credit report shows no BK discharge date

    We bought me a used minivan the other day and the dealership pulled Equifax. The finance manager showed me that it has no discharge date on it for our BK.

    He says I need to get that fixed or it may cause problems getting credit later but how do I fix it? He said to show them a copy of my discharge but when I asked on another credit site I was told not to do that at all to dispute it instead since the info isn't entirely correct.

    What do you guys think?
    4/09 Converted to a Ch 7 due to loss in dh's income
    5/09 UST now involved no idea what happens next
    7/09 UST has decided to withdraw his motion to dismiss!
    7/27/09 DISCHARGED!!!

    #2
    Send a dispute letter to Equifax and provide a copy of your discharge letter.

    You will not be able to get the BK removed from your credit report since it is a recent BK, but you can at least have them report it accurately. The reason you want to dispute with the CRA AND provide evidence is, if they do not report it correctly, you have a cause of action against the CRA. Look at this link under CRA reporting BK http://www.myfaircredit.com/forum/ there are all kinds of cases cited and shown in the link for reporting violations.
    Filed CH 7 9/30/2008
    Discharged Jan 5, 2009! Closed Jan 18, 2009

    I am not an attorney. None of my advice is legal advice in any way..

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