BOA won't remove MBNA discharged

[liveandlearn]

I've filed disputes with credit agencies for 2 MBNA accounts for Chpt 7 filed in 9/2005 and discharged 12/2005 which are now appearing as BOA. (I know BOA bought out MBNA in June 2005.) I've received an online dispute result from one credit reporting agency that says the BOA accounts are verified and they will remain.

I am about to start the certified mail dispute, mailing copies of BK papers to both the credit reporting agencies and BOA. I'm assuming BOA buying MBNA does not remove from them the responsibility of discharging MBNA debts in a Chapter 7.

Any advice on information I should include with the letters besides the BK paperwork, MBNA account #'s, BOA account #'s?

Have you heard of anybody else having problems with BOA refusing to remove purchased debts?

[Flamingo]

First, if the chargeoff occurred prior to your filing of your Chapter 7, you cannot get the chargeoff removed. If that is not the case, you need to work with the creditor directly and send a certified mail, enclosing copies of the dispute information you sent into the CRAs (also copy the CRAs) and advise them that the account was discharged in BK filed on xx/xx/xxxx and discharged on xx/xx/xxxx and the charge off did not occur prior to the bankruptcy filing. That is the only way you will resolve the matter if the chargeoffs did not actually occur before the filing.

[JRScott]

I would mail a copy of the discharge letter and copy of creditor matrix showing original accounts.

If you filed through a lawyer might contact them about the issue to, a letter from them might get things cleared up or make a rich payday. Do they still send you bills?

[magyar123]

I would mail a copy of the discharge letter and copy of creditor matrix showing original accounts.

If you filed through a lawyer might contact them about the issue to, a letter from them might get things cleared up or make a rich payday. Do they still send you bills?

That is what I did in 2004. I had included my Providian card in my filing, just before Washington Mutual bought them out. After my discharge of the Providian card, WAMU showed it as a charge off once the buy-out was complete. I disputed the charge off comment by WAMU.
Now my CR reports are as follows:
Washington Mutual/Providian
Chapter 7 Bankruptcy

[liveandlearn]

Since BOA bought out MBNA 3 months prior to our filing BK Ch 7, and 6 months prior to our discharge, I don't know if they charged off the debt before or after the BK. Before the dispute, both account were listed under "adverse account" and listed as "Purchased by another lender." After the dispute one is still listed "Purchased by another lender" while the second is listed "Profit and loss write-off." I'll have to call BOA and see when they did whatever they did with respect to our BK dates. The "estimated date" to be removed did not change with either account on the credit report after the dispute was finished. The other two credit reporting agencies list them as charged off. BOA has incorrectly reported the accounts to all 3 agencies, but I only have dispute results from one so far.

A brief reading of internet info seems to indicate that I should work to get the "charged off" part gone, and only list debts as "included in BK."

Flamingo: Why can't I get the "charged off" removed if it happened before my BK? They can't legally take me to court for the debt, so why can it be listed as "charged off" if it was included in the BK? it's all confusing!