Charge Off Date?

[vrspartak]

I have a clarification question. I filed BK 04/21/2010. However, according to Experian, I have several creditors that state "Charge Off as of May 2010" in the account history section.

I was under the impression that there should not be anything reported in my account history section, after the filing date. Yes? Or does it take time for creditors to find out I have filed, and the accounts were charged off in the interim?

Is it something that needs to be disputed?

[MyLilXMan]

I am having this same problem. We filed Ch 13 in 7/2007 and have two accounts that were listed as charged off in 10/2007. We disputed the charge off status and they changed that to IIB but left the date major deliquency first reported as 10/2007. We disputed this again and they "verified" it and updated the report date to the month/year we disputed. This dropped our credit score 35 points. Now our report is a huge mess and I am so lost at what to do next.

[vrspartak]

ttt

[redhunter]

I protested a few accounts, particularly on Experian, that had post filing date charge off and past due activity. Capital One provided an explanation that they view it as accurate to report anything the occurs on the account prior to the discharge date. It seems to me that the filing date is the more critical date since that is the date that the "snapshot" is taken and action on your accounts existing on that date are frozen. The discharge date seems to only be a formal affirmation that your debts as of your filing date are discharged. By extension their negative reporting of activity post filing could be viewed as a collection activity in violation of the stay provisions.

[thereshope]

I have the same issue with Experian. They're reporting charge offs and late history after by filing date. I noticed on my Transunion and Equifax credit reports, they didn't report any late payment history.