I think somebody just violated the automatic stay...

[helpmeout]

After my discharge, I checked my credit report and found that my mortgage holder was still listing a balance and reporting missed payments after May all the while stating that it was IIB (the month I was discharged in) with Transunion (they may have been for the other two, but the other two recognized what IIB meant). I disputed it with Transunion and it was fixed. It didn't raise my score much, but at least it wsn't dinging it anymore.

[biotechsolution]

Wait until your discharge and send them your discharge papers, not the collection agency but the original creditor.
Your attorney most likely do much for credit reporting errors, this you'll have to do on your own.

[newbie2]

You're not discharged yet, correct? That may make a difference...zero balances show up post discharge.

[IBroke]

Hmm, I just checked my FICO score-watch and got a message that my score dropped. Here's why:

1 new account was added to your credit report:

ASSET ACCEPTANCE CORP. (XXXXXXXXXXXXXXXXXX)
Opened: 7/2010


Balance: $23,377
Credit limit or largest balance: Not Reported
Past due: $23,377
Payment terms: Not Reported
Status: Included in bankruptcy
First reported: 10/1/2010
Portfolio type: Not Reported
Description: Bankruptcy Chapter 7

I highlighted the "interesting" parts in red. So they already know it's IIB BUT they still decided to report its balance AND report it as past due. I also believe they are not reporting in the correct "form" since they are a collection agency. There shouldn't be a "past due"-field in the first place. Then, they use an incorrect "first reported" date - the account showed up today and NOT in October. As you can see, I already filed in September - so to me, this is a violation of the automatic stay. What do you think? Should I release the hounds (my attorney)?