Errors on report

[momtoroxy]

I checked a our "annual free credit report" today (for each DH and myself). Everything looks accurate except one thing...they do not show we owe anything on EITHER of our cars! We reaffirmed both, and it shows "balance 0, included in bk" ummm...WHAT! On checking "credit karma" it shows correctly DH's student loan, and only one of our cars. Are we too close to discharge for this to reflect accurately? We discharged on 1/19/10.

I don't want them to try to come and get the cars since we reaffirmed both! Anyone else with this problem? How did you solve it?

On a higher note, my score said 680; DH's score 695. Sweet.

And, it shows DH has a citi card that was left open (even though we had 2 large balances on other citi cards) with a $5000 limit. WHAT?

[aces67]

Typically loan companies update CR's once a month. It's too soon after discharge for them to have it updated yet. I'd wait until February or March and check again.

[SPalin]

Congrats on your recent discharge! Aces is correct there is a month or two delay with updates, for reaffirmation mortgages, auto loans and student loans to reflect correctly. If you have your paperwork for the reaffirmed on both cars that shouldn't be an issue.

I was just curious are your credit scores from creditkarma? My creditkarma is 691, but on myfico is 621 for TU and 562 for EQ, on TU it is 691???

[HakunaMatata]

I was discharged on 1/4 and my reaffirmed auto loan is showing IIB. I disputed; although, I suspect not enough time has passed to reflect its accurate status. I, too, have an "open" Citi line with $10K. I highly doubt this is accessible (Citi ranked high on my creditor matrix ).

[momtoroxy]

My creditkarma was really high too. It said that I practically had perfect credit. I think it also told me around 690. The lowest I saw was 640. Who knows what is "correct."