am in the process now of cleaning up my credit report after our Ch7 discharge in December.
I disputed an account from VyStar Credit Union - they had it marked as 30 days late, 60 days late, and still had a balance due as of November. I never had late payments and in fact kept making payments until our case was filed September 1, 2005.
The verification came back as
Status: "Discharged through Bankruptcy Chapter 7 / Account Charged Off"
Account History: Charge off as of Nov 05, 30 days as of Oct 2005, Debt incuded in bankruptcy on Jan 31, 2006
Balance history shows a balance reported for Sept, Oct, and Nov.
What do I do from here? Since they verified and still didn't get the information correct can I make them remove it from my report? Do I dispute with the CRA or with VyStar?
FYI this is just the Experian report. I am waiting still to receive Equifax and TU.
I disputed an account from VyStar Credit Union - they had it marked as 30 days late, 60 days late, and still had a balance due as of November. I never had late payments and in fact kept making payments until our case was filed September 1, 2005.
The verification came back as
Status: "Discharged through Bankruptcy Chapter 7 / Account Charged Off"
Account History: Charge off as of Nov 05, 30 days as of Oct 2005, Debt incuded in bankruptcy on Jan 31, 2006
Balance history shows a balance reported for Sept, Oct, and Nov.
What do I do from here? Since they verified and still didn't get the information correct can I make them remove it from my report? Do I dispute with the CRA or with VyStar?
FYI this is just the Experian report. I am waiting still to receive Equifax and TU.
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