Credit reports

[laurannm]

I just pulled my credit report and everything looks to be normal except for one thing I am not sure of. Our Ch 7 was filed on 7/08, discharged on 10/08. I noticed that the BOA cards we IIB are reporting as 30 days late in 6/08, 60 days late in 7/08, 90 days late on 8/08, 120 days late on 9/08, and then a CO in 10/08. Does this seem right? Experian is the only CA reporting like this, the other two aren't reporting anything.

Thanks!

[Flamingo]

Dispute the late listings (enclose a copy of your filing showing the filing date and a copy of your discharge) and hopefully you will get lucky and they will remove the ones prior to your BK. They need to remove those after your filing date; but those prior they can and usually do remain.

[laurannm]

Thanks!

Is it best to dispute online or should I send a letter?

[StartingOver08]

I just pulled my credit report and everything looks to be normal except for one thing I am not sure of. Our Ch 7 was filed on 7/08, discharged on 10/08. I noticed that the BOA cards we IIB are reporting as 30 days late in 6/08, 60 days late in 7/08, 90 days late on 8/08, 120 days late on 9/08, and then a CO in 10/08. Does this seem right? Experian is the only CA reporting like this, the other two aren't reporting anything.
Thanks!

Experian is not reporting correctly. Flamingo is right, send your disputes into Experian, CMRRR so you have a paper trail of the dispute. Once you have filed, the TL is supposed to read IIB and zero balance. No charge off or lates are to be reported after your filing date. (Any history before the filing date remains the same). It is better to dispute via the mail rather than online.

[Flamingo]

Thanks!

Is it best to dispute online or should I send a letter?

Sent a certified letter, return receipt requested, and enclose the copies I mentioned - they will ask for them anyway and it will just take longer.

[flnybk]

Do you dispute to credit reports directly if something is wrong? i have a mortgage in my name that should only be in my husbands name. I NEVER signed the papers for the loan. I am only on the deed.

[laurannm]

Thanks all

Flamingo, when you say a copy of my filing, do you mean the entire CH 7 packet? Can I just send the 341 notice you receive?

[laurannm]

Just as an FYI in case anyone is interested, I couldn't find the correct mailing address to send a letter to Experian (and on a few sites that listed contact info for the 3 CRAs to send dispute letters to, they mentioned that the only option for Experian is to do it online). So for the heck of it I submitted my dispute on line Sunday night, and last night I received an email from them indicating that their investigation was complete and the items in question were updated. I verified that they are now reporting correctly.

[halloweendmb1]

Keep your eye on it because they only report what the ceditor tells them so it may show up again. You might want to send the return rec certif. mail w/ info to BOA as well and mention the fair credit reporting act so they know you are serious