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Charged off? Shouldn't it be IIB?

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    Charged off? Shouldn't it be IIB?

    I see that my Mortgage company (through a monitoring service) has filed a deragatory remark on my Credit Report of Charged off. Shouldn't it be IIB? I surrendured the house and Included it in my Bankruptcy. Can I dispute this? I disputed another debt and the Credit Agency indicated it would stay as Charged off. So, I'm a bit confused on which is correct in which instance.
    Petition Filed 6/4/07 :clapping:
    341 meeting 7/31/07 :clapping: :unsure:
    First Meeting Held and Trustee's Report of No Distribution 8/2 :yahoo::yahoo:
    10/15/2007 - DISCHARGED!:yahoo::yahoo::yahoo:

    #2
    You have to dispute it as included in BK. You may have to mail (certified mail) a copy of you BK papers discharge and schedules and all. To prove that is was indeed included. That should clear it up . There are laws that they must abide by. You could also call the mtg company and demand they accuratly report it because they know it was included in bk.
    Sometimes life make you deal with ugly and hateful people ,just think of them as sand paper. They may scratch you and rub you the wrong way but eventually you end up smooth and polished and the sand paper becomes old and worn out.

    Comment


      #3
      If the mortgage was not in charge-off status BEFORE you filed, then they can NOT report it as charged-off AFTER your bankruptcy. Even though it may have gone thru their accounting system as a write-off, they cannot report it as such on a discharged debt, it's inaccurate and a violation.

      Comment


        #4
        Thanx - no it was not in charge-off status before we filed. I will file an official dispute this week! Thanx!
        Petition Filed 6/4/07 :clapping:
        341 meeting 7/31/07 :clapping: :unsure:
        First Meeting Held and Trustee's Report of No Distribution 8/2 :yahoo::yahoo:
        10/15/2007 - DISCHARGED!:yahoo::yahoo::yahoo:

        Comment

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