Does anyone know how they would handle this? Chase account charged off 05/97. Bankruptcy 2001. Item was updated 06/03 past due 120 days on Equifax with the full balance. Last report before that was 08/02 zero balance account transferred or sold. I called Chase and they cannot pull up old accounts past 3 years on the computers sitting in front of them. I called NCO and they have no record of it. Do I believe them? Do I have to write a letter or fax this stuff to them. I tried the I'm a dummy and want to pay this, and still can not talk to anyone. Someone reported this item this month and it drained my FICO. Should I tell them I am to broke to buy stamps or faxes and need to talk to someone.
Well I guess I should handle this on my own and will. Good luck to myself and I hope this works out for you. The account will be deleted less than a year anyways. I will just dispute "Included in B.K" and send in the papers. Thank you everyone for the advise!
I had a similar situation with Chase. Acct reported as R5 on Equifax but should be Included in BK. Write a letter explaining the problem and fax to Chase Customer Support at 210-586-5908. They updated Equifax a few weeks later. Never send BK papers to a CRA unless you want to give up disputing tl's. By the way Planet Feedback and BBB complaints may also work if you have this problem with other creditors. I have pfb'd Household, Fleet, and MBNA and they all respond.
Search on "LisaMc and chase" and tell yourself, since posting to yourself (LOL btw) DON'T send the CRA's your BK papers or tell them it was included. Sassy
I am at the point were I do not even care anymore who knows I filed Bankruptcy. I have 8 credit cards now and have more available credit than I will ever need. I also don't carry balances so I gave up trying to play the whole game of getting a better A.P.R. All that matters at this point to me is the FICO score. The negative items carry a length of history that does not hurt the FICO score. I filed 20 months ago and had 2 of my FICO scores break 700 before Chase did this 3 days ago. Chase account went bad 1997, filed B.K 2001, updated to the CRA in 2002 as "included in bankruptcy" and it stayed that way for at least 10 months. Now I got this same account with the same account number saying $2,xxx balance, 120+days past due. Also the same creditor Chase not a collection agency. Sorry about the post to myself that was pretty pathetic. LOL There is no one I can talk to at Chase since they wipe out accounts on computers sitting in front of them after 3 years. This really drained the FICO. Any suggestions?
I did not realize until 8 hours ago that this same account was investigated and changed by Equifax 11 months ago as "included in bankruptcy" I am not sure how Equifax and Chase could do this to me at this point.
hmmmmmm yeah, Write to chase, summarizing just as you did here. Tell them their updated reporting is a violation of the FCRA and your BK discharge injunction. That they better get it right straight away and deal with the CRA's to see that it stays the way it is supposed to. They are responsible for the information under section 623, responsibilities of furnishers of information. They've a contract with the CRA's for reporting, they should use it, or they'll suffer your wrath while you talk to yourself ;-) as you're filling out the complaint at your local court. Once your letter is received by chase (green card returned to you), dispute with the CRA's to enforce and kick-in the 30-day requirement for a reinvestigation and thus the same timeframes on chase. Sassy
And you need to wait more than 2 hours before you get frustrated. Especially when it's 2am on a weekend.
Sassyinaz, Thank you for some help on this one! I already sent a certified letter to them in July 2002. With the discharge papers, list of creditors, everything the way THEY want it done. I could understand if I did this the other way why it would have popped up on the credit report after a deletion. Chase or Equifax will not get away with this quietly. Should I file a complaint at my local court on Monday?
Oh c'mon, fave Butch growling dude, it WAS funny, you were giggling, I know it! You sure could file on monday, J Vick., go for it. How THEY want it done, has nothing to do with how it is REQUIRED to be done. But, if you gave them all the information, and you want them to show as included in BK with 0.00 balances, you'd think they would tag you as a favorite consumer and give you preferential treatment or something ;-) It popped back up, likely because they don't investigate or reinvestigate correctly in the first place, and when Chase submits it's monthly reportings on tape, you were probably included. They can cloak the information to keep it from reappearing, but they don't. They're lazy. You already went out of your way, above and beyond the call of consumer duties, I'd have zero tolerance as well. No wonder you are frustrated! Sassy
