top Ad Widget

Collapse

Announcement

Collapse
No announcement yet.

Need help with credit report after Ch 13 Discharge

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

    Need help with credit report after Ch 13 Discharge

    I am so confused with all of this. We were just discharged 6/2010 and are trying to repair our credit. If someone could help me understand how these accounts should be reported, I would greatly appreciate it. This is how some accounts read on Trans Union

    AAFES
    Balance:
    Date Verified: 08/2010
    High Balance: $3,977
    Credit Limit: $8,000
    Pay Status: >Wage Earner or Similar Plan<
    Account Type: Revolving Account
    Responsibility: Individual Account
    Date Opened: 09/2002
    Date Closed: 08/2007
    Loan Type: Charge Account
    Remark: >Chap. 13 bankruptcy<
    Estimated date that this item will be removed: 06/2014

    Should I dispute the blank balance and date verified? I was under the assumption the dates couldn't be after we filed, but I could be wrong.

    BOA
    Balance:
    Date Verified: 11/2007
    High Balance: $9,062
    Credit Limit: $7,000
    Pay Status: Unrated
    Account Type: Revolving Account
    Responsibility: Authorized Account
    Date Opened: 03/2003
    Date Closed: 10/2007 Date Paid: 04/2007
    Loan Type: Credit Card
    Remark: >Included in bankruptcy<
    Estimated date that this item will be removed: 05/2014

    Again, is it okay if the balance section is blank?

    USAA
    Balance:
    Date Verified: 07/2010
    High Balance: $15,467
    Credit Limit: $14,926
    Pay Status: >Wage Earner or Similar Plan<
    Account Type: Revolving Account
    Responsibility: Individual Account
    Date Opened: 04/2005
    Date Closed: 08/2007
    Date Paid: 07/2010
    Loan Type: Credit Card
    Remark: >Chap. 13 bankruptcy<
    Estimated date that this item will be removed: 04/2014

    Again, blank balance and date verified is the month after Ch 13 discharge and also, a date paid of the month after discharge. Should I dispute these? Is it making us look like we have "recent" derogitory accounts.

    Also, this report is from TU free credit report, and I also have an account with TU true credit and the reports look a little different. The TU true credit reports have $0 balance, not blanks.

    USAA on the TU true credit website looks like this
    Condition: Paid
    Balance: $0
    Type: Credit Card
    Pay Status: Wage Earner Plan
    Past Due: $0
    High Balance: $15,467
    Terms: ---
    Limit $14,926
    Payment: $0
    Opened: 04/2005
    Reported: 07/2010
    Responsibility: Individual
    Remarks: Chpter 13; wage earner plan account
    Late Payments (last 7 years)
    30 Days Late: 0
    60 Days Late: 0
    90 Days Late: 0

    I am mainly concerned with the dates. Any help would be greatly appreciated.

    #2
    I have another question. I disputed NFCU for 2 accounts that were reporting charge off intead of IIB. They corrected the charge off to IIB but did not correct the late payments which were listed two months after the bk filing. I redisputed for the latepayments yesterday, and today, I get a score watch alert for a drop in over 30 points due to redisputing these accounts?? How is that possible?

    Comment


      #3
      Anyone?

      Comment

      bottom Ad Widget

      Collapse
      Working...
      X