Can creditors still report on an account discharged in bankruptcy?

[lostgirl]

Our discharge was 10/07. I've noticed on our credit reports half of the creditors are still reporting on discharged accounts as recently as June, 2010. The status is listed as Included In Bankruptcy or chapter 7 bankruptcy, but report dates are June 2010 and March 2009. Plus, balances are blank instead of $0. Is it legal for some creditors to still report on these accounts past discharge date? Can they be corrected to say 10/07 or removed?

[tobee43]

sometimes you just need to give it some time to catch up....i would give it another 2 weeks and then contact each reporting agency with the bk info in writing. it's a pain but needs to get done.

[lostgirl]

Well...it's actually been 3 years now. Discharge was in October 2007. How much more time do they need? Are they allowed to still be reporting on these accounts even though they have been discharged? Like I said the status seems to be okay by being listed as Included in Bankruptcy, but balances are blank and report dates are as recent as June 2010.

[tobee43]

oh!!! i'm like BRAIN dead....i of course looked at the numbers and just read 2010....

yes, you are unfortunately are going to have to dispute the reports in writing and be like a fly on poop on them. send them a copy of the discharge it should work.

[jb300]

How do I see a credit report? Is there a place to see it free? I have been too scared to look at mine and I am a year out from discharge now but have done nothing with anything yet.

[lostgirl]

How do I see a credit report? Is there a place to see it free? I have been too scared to look at mine and I am a year out from discharge now but have done nothing with anything yet.

You can get a free credit report every 12 months for each reporting credit bureau. Just google free annual credit report and go to that site. I would post the link, but I'm not able to yet. Maybe someone else can?

[free2breathe]

https://www.annualcreditreport.com/cra/index.jsp

You get one from each of the agencies for free per 12 months, like lostgirl said

[tobee43]

How do I see a credit report? Is there a place to see it free? I have been too scared to look at mine and I am a year out from discharge now but have done nothing with anything yet.

i just went to all my old cr's and got their 800 numbers and requested my FREE yearly copy....i got them all for free that way direcly from them without having to give a ton of info to a website.

[backtoschool]

There is a website that is paid for and run by all three credit bureaus where you can get them for free online. It's called annualcreditreport.com Be careful not to use any other sites but this one, as some are sites that will charge you a monthly "monitoring" fee. This one is the free one run by the three bureaus.

[wnguyen]

Will you get your credit score from these free copies? I never saw what my credit scores were all those years. There must be a way to find out and I don't know how, pretty dumb.

[free2breathe]

No, to get your credit scores yourself from FICO you have to actually pay for them. Any of the other sites that offer to give you your FICO scores are bogus and not accurate. The free credit reports will only tell you what's showing up on your credit history as reported by the three credit bureaus.

[tobee43]

There is a website that is paid for and run by all three credit bureaus where you can get them for free online. It's called annualcreditreport.com Be careful not to use any other sites but this one, as some are sites that will charge you a monthly "monitoring" fee. This one is the free one run by the three bureaus.

thanx for the site! i'm always scared to get any of my personal info out.

yeap...the fico score i think it's like $7 directly from the reporting agencies???

[wnguyen]

thanks free2breathe. No wonder I didn't know. So now I can pick on any of the 3 and pay for my FICO score? I heard that the scores from the 3 won't be the same. If not then I have to pay for all 3?

[free2breathe]

thanx for the site! i'm always scared to get any of my personal info out.

yeap...the fico score i think it's like $7 directly from the reporting agencies???

I'm in the process of researching this. So far all I see is that you have to join their programs to get the score, and then they may not be the same score as a lender would get.

"The bottom line is that each bureau supplies one version of your credit score to lenders and a separate version to consumers. Equifax provides you with a Score Power score and lenders get a BEACON score. Experian has the PLUS Score for consumers and Experian/Fair Isaac Risk Model score for lenders. TransUnion offers a TransRisk New Account Credit Score that differs from the Classic FICO Risk Score. TransUnion’s fine print states that “the credit score provided here is not a so-called FICO score.” It is buried within a lengthy disclosure about its products. All three have similar disclosures that explain that their consumer product scores are not actual credit scores." from http://www.stopccdebt.com/Not_Actual_Credit_Scores.htm

The only time I ever saw my "actual" scores was when we applied for our home loan. I had a friend who worked for the mortgage broker and she gave me a copy.

[tobee43]

I'm in the process of researching this. So far all I see is that you have to join their programs to get the score, and then they may not be the same score as a lender would get.

"The bottom line is that each bureau supplies one version of your credit score to lenders and a separate version to consumers. Equifax provides you with a Score Power score and lenders get a BEACON score. Experian has the PLUS Score for consumers and Experian/Fair Isaac Risk Model score for lenders. TransUnion offers a TransRisk New Account Credit Score that differs from the Classic FICO Risk Score. TransUnion’s fine print states that “the credit score provided here is not a so-called FICO score.” It is buried within a lengthy disclosure about its products. All three have similar disclosures that explain that their consumer product scores are not actual credit scores." from http://www.stopccdebt.com/Not_Actual_Credit_Scores.htm

The only time I ever saw my "actual" scores was when we applied for our home loan. I had a friend who worked for the mortgage broker and she gave me a copy.

well right now we have our fico scores...so i'm not concerned...but when i am..i still prefer the "old" way and will call each agency and order it directly from them. for some reason, i'm just a bit old fashion and wanted directly from the horses mouth...however, in your case..i should say...from the piggy's mouth?? (U MADE me to that!! ) LOL!!