Checking my TransUnion credit report, I've noticed that all of my credit cards that were included in bankruptcy show up as "included in bankruptcy" including my Wells Fargo, but this card also has a pay status of 120 days past due. Shouldn't this remark be removed since it's already included in BK. Therefore, I am no longer late? I paid the monthly dues for this card until the month I filed for BK, so I was never late to begin with. Thanks for your input, I appreciate it.
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They are not allowed to list payments as being late if they were due after the "automatic stay" went into effect. If you were late before (which you said you were not) then they can list them.
Write the CRA's explaining the situation and ask that they be "verified, corrected and removing."
A PITA, but one that it shouldn't be too difficult to fix. You might even try over the phone or internet, but expect that to take much more of your time than writing and expect frustration.
Don't give up or give in. Good luck, Art -
Thank you so much for the info., Art. I appreciate it.Originally posted by AAAArtComment
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