Hello All, I'm not sure the best way to go on this, so I'm asking the experts for input. I filed BK in 2006 (discharged in Jan 2007). I've been cleaning my reports the last couple of months and disputed some late pays on a Fifth Third Bank account that showed late after my discharge. This was on my TU report. I pulled my actual TU FICO report yesterday and I also pulled my TU report from their site. The OC verified the dispute and has updated my report to show I had a missed payment in the last 2 months! The problem is, this is what my FICO report shows, but not the report from TU. Both reports show "Included in BK...Zero Balance Due...No Late Payments" BUT my Fico score DROPPED 25 points and shows the reason is because of a missed payment in the last 2 months. I called FICO this morning to find out which account is late and she said Fifth Third, even though in the DETAILS of the report it doesn't show anything missed. So how do I fix this? TU doesn't show I have lates on their report, so how can I dispute with them? Please Help!! Any advice would be appreciated
The dispute is with the oc who reported it.Cmrrr a letter for them to delete this information from your reports or you will have your bk attorney haul their butts in front of the bk court and explain why there in contempt of the bk code.Or send them a copy of your discharge notice with the closing date of your bk.Personally i like the first option because i'm old and cranky lol.
Thank you jj!! I'm going to start it RIGHT NOW And personally, I like the first option better too....JUST BECAUSE!! LOL!
UPDATE. Ok, I found out this morning that neither the OC or TU is reporting the lates. My FICO credit report is because of the DATE VERIFIED. TU shows no late payments, shows included in BK, shows closed on 9/2006, shows balance zero and shows past due zero. So now what do I do? I don't know how to dispute this or who to dispute it with! Any suggestions? Thank you!
Thank you jj TU says it's reporting correctly though because the dispute from last month was VERIFIED on that date. So they show it's not wrong because that was updated after I disputed and that's how it SHOULD read. Is there a place online that I can dispute the not legal date imposed by BK court? Thank you so much for your help!
Send it to who updated the report to the person who reported to the cra.Tell them to correct it.They should have the right date mailed to them the day your bk was discharged.If they pull a credit report that's considered an attempt to collect on a debt,which is a no-no.
Are you looking at your individual reports or a 3-in-1? If it's the 3-in-1, get the individual reports as the way it shows is different. If it's simply the date of last activity, it shouldn't affect your score or the drop-off date.
Hi Hedwig No, it's not a 3in1. I'm looking at MYFICO report and my actual TU report. And neither of them show late payments on that account. What I'm going by is the MYFICO report. My score dropped 25 points and it shows in the reason for my current score is having a missed payment in the last 2 months.
