1. I have an auto loan that I didn't reaffirm in BK, however I'm still making payments. BK is closed, but the report states Experian and Equafax has account closed but transunion has it reported open. Do I report to the two that its open so I get credit for making my payments?
2. I wanted to get a CC to kickstart my credit back up. On the report it has some older credit cards as OPEN with a current payment history and no note about my BK. I must have ripped these cards up in the past. Should I let it ride and let it report an "OK" status each month? Or does my not using it not help my score. Also, could I ask the CC companies to resend another card so I don't have to go through the tough hassles of obtaining a CC?
Appreciate any feedback.
2. I wanted to get a CC to kickstart my credit back up. On the report it has some older credit cards as OPEN with a current payment history and no note about my BK. I must have ripped these cards up in the past. Should I let it ride and let it report an "OK" status each month? Or does my not using it not help my score. Also, could I ask the CC companies to resend another card so I don't have to go through the tough hassles of obtaining a CC?
Appreciate any feedback.
I just posted about the same thing a few days ago! So Its not just me. Hmm. I thought maybe they had not updated since Im recently discharged/closed. Mine is reported open on transunion but shows no payments since Aug on my car when I filed. Its BK/CO (Bankruptcy 7 charged off)
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