Credit reporting question-Filed Chapter 7 bankruptcy...
Hello. I have just one small question that I wanted to ask here. My question is I filed Chapter 7 bankruptcy in October 2008, I was declared no asset, and I was discharged in late January 2009. My debt was mostly credit cards
On all 3 of my credit reports, they are showing that they are discharged and that the account balance is reading at zero.
The major credit card companys that got discharged in my bankruptcy, seem to be at this point in time reporting everything correcting in my credit reports..
HOWEVER, my concern is that I notcied on a few of my DISCHARGED credit card accounts, the credit card companys are still reporting, like when I look at my account, it shows discharged and a zero below, but it shows that the LAST REPORTED DATE AS BEING 4/2009 AND THEY HAVE BEEN DOING THIS SINCE I WAS DISCHARGED. THEY ARE SHOWING A ZERO BALANCE AND A DISCHARGED STATUS ON MY ACCOUNT BUT THEY KEEP REPORTING IT ON MY CREDIT REPORT...
I AM WONDERING IF I SHOULD BE CONCERNED ABOUT THIS OR NOT????????
I HAVE NOTICED ON SOME OF MY OTHER CREDIT CARDS ACCOUNT, THAT THEY STOPPED REPORTING IN THE MONTH THAT I FILED FOR BANKRUPTCY, SOME HAVE STOPPED REPORTING ABOUT A MONTH OR 2 AFTER THE DISCHARGE DATE.
BUT I AM CONCERNED ABOUT A COUPLE OF CREDITORS THAT ARE STILL REPORTING SOMETHING,((((((HOWEVER, AN IMPORTANT NOTE THEY ARE REPORTING AT THIS POINT IN TIME, MY ACCOUNTS AS BEING AS ZERO BALANCE AND SHOWING AS DISCHARGED))))).
BUT MY CONCERN, IS WILL THESE CREDIT CARD COMPANYS STILL BE REPORTING SOMETHING SAY IN 2 OR 3 YEARS. WHILE SOME OTHER COMPANYS HAVE STOP REPORTING TO THE CREDIT REPORTING AGENCIES, THE MONTH AFTER I FILED FOR BANKRUPTCY OR A MONTH OR TWO AFTER THE DISCHARGED IN MY CASE BACK IN LATE JANUARY..
*************ALSO THESE QUESTIONABLE ACCOUNTS ARE ALSO SHOWING AS BEING CLOSED ALSO, AND A ZERO BALANCE AND DISCHARGED IN BANKRUPTCY, BUT THEY KEEP REPORTING THIS FACT ALMOST EVERY MONTH SINCE I GOT DISCHARGED BACK IN JANUARY.. SHOULD I BE CONCERNED, OR DO THE CREDIT CARD COMPANYS KEEP REPORTING THIS FACT FOR A FEW MONTHS AFTER THE OFFICIAL BANKRUPTCY DISCHARGE...***************
THANKS FOR YOUR HELP AND I LOOK FORWARD TO HEARING BACK FROM SOMEONE SOON..
MELISSA
On all 3 of my credit reports, they are showing that they are discharged and that the account balance is reading at zero.
The major credit card companys that got discharged in my bankruptcy, seem to be at this point in time reporting everything correcting in my credit reports..
HOWEVER, my concern is that I notcied on a few of my DISCHARGED credit card accounts, the credit card companys are still reporting, like when I look at my account, it shows discharged and a zero below, but it shows that the LAST REPORTED DATE AS BEING 4/2009 AND THEY HAVE BEEN DOING THIS SINCE I WAS DISCHARGED. THEY ARE SHOWING A ZERO BALANCE AND A DISCHARGED STATUS ON MY ACCOUNT BUT THEY KEEP REPORTING IT ON MY CREDIT REPORT...I AM WONDERING IF I SHOULD BE CONCERNED ABOUT THIS OR NOT????????
I HAVE NOTICED ON SOME OF MY OTHER CREDIT CARDS ACCOUNT, THAT THEY STOPPED REPORTING IN THE MONTH THAT I FILED FOR BANKRUPTCY, SOME HAVE STOPPED REPORTING ABOUT A MONTH OR 2 AFTER THE DISCHARGE DATE.
BUT I AM CONCERNED ABOUT A COUPLE OF CREDITORS THAT ARE STILL REPORTING SOMETHING,((((((HOWEVER, AN IMPORTANT NOTE THEY ARE REPORTING AT THIS POINT IN TIME, MY ACCOUNTS AS BEING AS ZERO BALANCE AND SHOWING AS DISCHARGED))))).
BUT MY CONCERN, IS WILL THESE CREDIT CARD COMPANYS STILL BE REPORTING SOMETHING SAY IN 2 OR 3 YEARS. WHILE SOME OTHER COMPANYS HAVE STOP REPORTING TO THE CREDIT REPORTING AGENCIES, THE MONTH AFTER I FILED FOR BANKRUPTCY OR A MONTH OR TWO AFTER THE DISCHARGED IN MY CASE BACK IN LATE JANUARY..
*************ALSO THESE QUESTIONABLE ACCOUNTS ARE ALSO SHOWING AS BEING CLOSED ALSO, AND A ZERO BALANCE AND DISCHARGED IN BANKRUPTCY, BUT THEY KEEP REPORTING THIS FACT ALMOST EVERY MONTH SINCE I GOT DISCHARGED BACK IN JANUARY.. SHOULD I BE CONCERNED, OR DO THE CREDIT CARD COMPANYS KEEP REPORTING THIS FACT FOR A FEW MONTHS AFTER THE OFFICIAL BANKRUPTCY DISCHARGE...***************
THANKS FOR YOUR HELP AND I LOOK FORWARD TO HEARING BACK FROM SOMEONE SOON..
MELISSA
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