We filed Ch7 in Nov. 2010, and were discharged in March 2011. Right after our discharge, I did some clean up on our Experian CR's, but never got around to the others. We also moved overseas for awhile, so we really didn't care what the Credit Reports said. Now, we are back in the US, and we'd like to work toward purchasing a home again, thus now I am looking at our CRs.
I just pulled my Transunion report, and it shows our car loan with American Honda with a 'derogatory' status. We never missed a payment on this car loan, and we did not reaffirm the loan for the ch7 - we simply kept paying the loan and kept the car. We sold the car last year, after the discharge and before we moved overseas. At that point, the loan was paid in full.
Should we dispute this on our CR? This loan was never delinquent, and the car was not repo'ed. What should the status of this loan show on our CR? I should also mention that the payment history of this loan doesn't even show up. We had the loan from July '08 through June '11, and none of that payment history shows up. I would think this could also make a diff in our credit score.
I just pulled my Transunion report, and it shows our car loan with American Honda with a 'derogatory' status. We never missed a payment on this car loan, and we did not reaffirm the loan for the ch7 - we simply kept paying the loan and kept the car. We sold the car last year, after the discharge and before we moved overseas. At that point, the loan was paid in full.
Should we dispute this on our CR? This loan was never delinquent, and the car was not repo'ed. What should the status of this loan show on our CR? I should also mention that the payment history of this loan doesn't even show up. We had the loan from July '08 through June '11, and none of that payment history shows up. I would think this could also make a diff in our credit score.
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