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Cap 1 still reporting lates

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    Cap 1 still reporting lates

    Not sure if this is the correct area to post in... sorry

    I just got received an updated credit report for the month. to my surprise, it stated that my most recent late payment was one month ago from capital one- who was IIB (discharged 6/09).

    so, for clarity.... arent they supposed to only report activity on the account that was done before discharge? can they still continue to report lates to the cra's? i was finally cracking the mid 600's before this foolishness! hmph!

    #2
    This is a violation of the discharge injunction.

    They must stop reporting lates after your filing date and certainly stop reporting any history whatsoever after your discharge date.

    Contact the CRA to correct it right away.
    Filed CH 7 9/30/2008
    Discharged Jan 5, 2009! Closed Jan 18, 2009

    I am not an attorney. None of my advice is legal advice in any way..

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