After disputing several items that were included in my 2011 bankruptcy (filed July 10th, and discharged NOV.8th 2011) EXPERIAN has now decided to show all of these items as Charged off in NOV. 2011 with the exception of 1 account showing Charged Off in DEC. of 2011. Many of these were showing lates after my filing month of JULY. I disputed them and some no longer show lates on their website report from EXPERIAN directly but on my merged report from MY PRIVACY MATTERS they are showing either lates or charge offs or both. Is it common for them to show nothing derogatory on their own report but something else when pulled from another company? Also none of these accounts were in charge off status until after i filed. Can they add this info after I file? I would love to hear any comments or advice.
Assuming that you filed Chapter 7, (in July 2011) you stopped paying your creditors at that time most likely at your attorney's advice. Even if you weren't late prior to filing, your creditor can and most likely will report you late up to your discharge. My own experience, prior to filing Chapter 7, I was only late with my HELOC. After the discharge, when I pulled my CR from all three CBs, some CC companies opted to report me 30 to 60 days late from the time I filed until discharge. My HELOC was charged off and I had two BOA CC's accts that were reported as collections. I was never late on these CC's until I filed for BK. To me I think the fact that my bankruptcy alone shows on my CRs is damaging enough and what is important is that I've established credit again, with ontime payments, and keeping my utilized credit limits at 10% or below. Most important of all is that I've learned from my mistakes.
