I am so confused with all of this. We were just discharged 6/2010 and are trying to repair our credit. If someone could help me understand how these accounts should be reported, I would greatly appreciate it. This is how some accounts read on Trans Union
AAFES
Balance:
Date Verified: 08/2010
High Balance: $3,977
Credit Limit: $8,000
Pay Status: >Wage Earner or Similar Plan<
Account Type: Revolving Account
Responsibility: Individual Account
Date Opened: 09/2002
Date Closed: 08/2007
Loan Type: Charge Account
Remark: >Chap. 13 bankruptcy<
Estimated date that this item will be removed: 06/2014
Should I dispute the blank balance and date verified? I was under the assumption the dates couldn't be after we filed, but I could be wrong.
BOA
Balance:
Date Verified: 11/2007
High Balance: $9,062
Credit Limit: $7,000
Pay Status: Unrated
Account Type: Revolving Account
Responsibility: Authorized Account
Date Opened: 03/2003
Date Closed: 10/2007 Date Paid: 04/2007
Loan Type: Credit Card
Remark: >Included in bankruptcy<
Estimated date that this item will be removed: 05/2014
Again, is it okay if the balance section is blank?
USAA
Balance:
Date Verified: 07/2010
High Balance: $15,467
Credit Limit: $14,926
Pay Status: >Wage Earner or Similar Plan<
Account Type: Revolving Account
Responsibility: Individual Account
Date Opened: 04/2005
Date Closed: 08/2007
Date Paid: 07/2010
Loan Type: Credit Card
Remark: >Chap. 13 bankruptcy<
Estimated date that this item will be removed: 04/2014
Again, blank balance and date verified is the month after Ch 13 discharge and also, a date paid of the month after discharge. Should I dispute these? Is it making us look like we have "recent" derogitory accounts.
Also, this report is from TU free credit report, and I also have an account with TU true credit and the reports look a little different. The TU true credit reports have $0 balance, not blanks.
USAA on the TU true credit website looks like this
Condition: Paid
Balance: $0
Type: Credit Card
Pay Status: Wage Earner Plan
Past Due: $0
High Balance: $15,467
Terms: ---
Limit $14,926
Payment: $0
Opened: 04/2005
Reported: 07/2010
Responsibility: Individual
Remarks: Chpter 13; wage earner plan account
Late Payments (last 7 years)
30 Days Late: 0
60 Days Late: 0
90 Days Late: 0
I am mainly concerned with the dates. Any help would be greatly appreciated.
AAFES
Balance:
Date Verified: 08/2010
High Balance: $3,977
Credit Limit: $8,000
Pay Status: >Wage Earner or Similar Plan<
Account Type: Revolving Account
Responsibility: Individual Account
Date Opened: 09/2002
Date Closed: 08/2007
Loan Type: Charge Account
Remark: >Chap. 13 bankruptcy<
Estimated date that this item will be removed: 06/2014
Should I dispute the blank balance and date verified? I was under the assumption the dates couldn't be after we filed, but I could be wrong.
BOA
Balance:
Date Verified: 11/2007
High Balance: $9,062
Credit Limit: $7,000
Pay Status: Unrated
Account Type: Revolving Account
Responsibility: Authorized Account
Date Opened: 03/2003
Date Closed: 10/2007 Date Paid: 04/2007
Loan Type: Credit Card
Remark: >Included in bankruptcy<
Estimated date that this item will be removed: 05/2014
Again, is it okay if the balance section is blank?
USAA
Balance:
Date Verified: 07/2010
High Balance: $15,467
Credit Limit: $14,926
Pay Status: >Wage Earner or Similar Plan<
Account Type: Revolving Account
Responsibility: Individual Account
Date Opened: 04/2005
Date Closed: 08/2007
Date Paid: 07/2010
Loan Type: Credit Card
Remark: >Chap. 13 bankruptcy<
Estimated date that this item will be removed: 04/2014
Again, blank balance and date verified is the month after Ch 13 discharge and also, a date paid of the month after discharge. Should I dispute these? Is it making us look like we have "recent" derogitory accounts.
Also, this report is from TU free credit report, and I also have an account with TU true credit and the reports look a little different. The TU true credit reports have $0 balance, not blanks.
USAA on the TU true credit website looks like this
Condition: Paid
Balance: $0
Type: Credit Card
Pay Status: Wage Earner Plan
Past Due: $0
High Balance: $15,467
Terms: ---
Limit $14,926
Payment: $0
Opened: 04/2005
Reported: 07/2010
Responsibility: Individual
Remarks: Chpter 13; wage earner plan account
Late Payments (last 7 years)
30 Days Late: 0
60 Days Late: 0
90 Days Late: 0
I am mainly concerned with the dates. Any help would be greatly appreciated.
Comment