I have recently been discharged in chapter 7 bk. The discharge date was November 13th. Once I filed for bankruptcy, I immediately bought a years worth of unlimited credit reports. After discharge, I disputed all the information that wasn't correct, ie, charge-offs, balances still showing. Most of these have been taken care of, however two companies reported as correct. I contacted these companies to see why they are still showing sold/collection/charge off and even one company, my mortgage company shows foreclosure/collection account with a balance. They told me that they are following the law and are reporting everything correctly.
The sold account, Best Buy, tells me that since they no longer own my account, they are reporting correctly. I thought that once notified of bk they have to pull all the companies that it has been sold to and have to report in bankruptcy/discharged. Is this true and what is there to do?
As for my mortgage company, they tell me that they are following the law as well and are even still reporting a balance every month for late charges, so my balance increases each month. How can they be reporting this when it has been discharged and still increasing the balance and how can this be fixed?
The sold account, Best Buy, tells me that since they no longer own my account, they are reporting correctly. I thought that once notified of bk they have to pull all the companies that it has been sold to and have to report in bankruptcy/discharged. Is this true and what is there to do?
As for my mortgage company, they tell me that they are following the law as well and are even still reporting a balance every month for late charges, so my balance increases each month. How can they be reporting this when it has been discharged and still increasing the balance and how can this be fixed?
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