Wrong info on credit score

[tressa]

I just pulled my husbands fico score and was going over it. We kept are car loan when we filled bk. Well we ended up paying it off 3 months after discharge. Well according to a report, it was discharged in bk! Which really pisses me off. We paid in full and were never late! So I was wondering if we could dispute this. I'm pretty sure we can, but I dont know where to start. Thanks

[StaciMM]

Did you reaffirm the auto loan? If not, it WAS discharged in bankruptcy. If you reaffirmed, then it should show paid in full.

[tressa]

yes reafirmed...thats how we paid if off a few months later...thanks

[pink_amulet]

Just dispute it! WRITE a letter, and tell them what is wrong, and how it should be reported.

[Ccarter718]

you can dispute it on the credit reports website. there it will show you how to go about the dispute process (if you purchases the report on the website)

[StaciMM]

If you dispute it with the bureaus, they'll likely delete it rather than turn it into a paid as agreed. If the reaffirmation was filed before discharge, perhaps send something to the creditor and try to get them to fix it?

[pink_amulet]

you can dispute it on the credit reports website. there it will show you how to go about the dispute process (if you purchases the report on the website)

Yes you can, do it online....however some times some info can only be changed in writing. As in my hubbys case, Experian and Equifax BOTH wanted a copy of his ID AND his dipute in writing before they changed anything on his report. For me they just took the dispute online. Sometimes online is not the best way either, easy but not always the best.

Pink