My Filing date was 3/6/08. On 3/15/08 Chase Mortgage reported to Experian that I was 30 days late. My February check bounced (planned), however I was under the impression that once you file, creditors are limited to what they can report (IIB). They were reporting 'current' as of Friday 3/14.
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Filed Ch7 3/6/08 [X]
341 hearing 4/10/08 [X]
Last day for Objections 6/9/08 [X]
Discharge AND Closed 6/23/08 [X]
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Unfortunately, from what I've heard, it seems like many creditors can take up to one or two months before they start reporting correctly. I think this is because it takes a while for creditors to update their systems and such.Filed: 03/31/08 341: 05/15/08 Discharge: 07/15/08 
Do yourself a favor. Check everything I say with a bankruptcy attorney. Most attorneys will even provide a free initial consultation. In fact, it's your life, so check everything anyone says (including your attorney) for yourself! -
Thats just it. On 3/15 they reported IIB, but also included me being 30 days late. They also included a note saying that I filed chapter 7 on 3/15.Originally posted by phoenyx View Post
It sounds to me like they waited until the end of my grace period this month to acknowlodge my filing.Filed Ch7 3/6/08 [X]
341 hearing 4/10/08 [X]
Last day for Objections 6/9/08 [X]
Discharge AND Closed 6/23/08 [X]Comment
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I decided to dispute this item. They also reported a CC as IIB on 3/14, and noted me filing on 3/14... I'm not sure why there is a discrepency.Filed Ch7 3/6/08 [X]
341 hearing 4/10/08 [X]
Last day for Objections 6/9/08 [X]
Discharge AND Closed 6/23/08 [X]Comment
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If you were actually 30 days late with the payment prior to filing, they can list that. They cannot, however, list anything being late after the filing date._________________________________________
Filed 5 Year Chapter 13: April 2002
Early Buy-Out: April 2006
Discharge: August 2006
"A credit card is a snake in your pocket"Comment
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