I have disputed a BK13 entry twice as incorrect. originally TU showed it as chargeoff rather than Chap13....the Bk was june '96, discharged in Dec 2000. first time around may 2001 they updated it, second time they showed it verified with no changes. TU now currently shows: FOLEYS DEPT >Chapter 13 Bankruptcy< Updated: 4/2002 Opened: 11/1998 Closed: 05/2001 >Status as of 05/2001: Unrated< The closed date is inaccurate, It was closed in June'96. The status on all the other BK entries shows "wage Earner or Similar Plan" with a june 1996 date, not this Unrated 5/2001 entry. EQ and EXP dropped the entry entirely What does unrated mean? am I correct in thinking that this makes this account look like something just happened to it in May of '2001 instead of the correct date of June '96. and that's a bad interpretation as far as scoring? Five years difference is an awfully big gap, wouldn't that item have some effect on my score, or is it all the same since it does show BK13? what to do???? thanks this is important because my insurance company uses TU for their scoring and I am getting royally screwed. (remember I am the dummy who took my lawyer's advice in trying to get chargeoff listings disputed <and at least updated to BK13>, and I sent them the original papers and discharge info. It did show it just like I said, so at worst, it should fall off in June of '2003, correct? ) To those who are reading to learn, Again, I didn't know about this board, and I thought my lawyer was telling me the right thing to do to get my CR corrected. Was I WRONG, WRONG, WRONG. Fortunately, I only have to live with his bad advice for another 12 months. I think...
From what I understand "unrated"is sorta like purgatory, but they still have it as a negative because the CRA considers you guilty until proven innocent. I have one in dispute now that on EX its "unrated" and on EQ is has a permanant "acct disputed" on the account. I hope that makes sense I'm really tired. Charlie
so I guess I need to dispute it, and get them to at least change it to closed in June of 96, and update the status to something other than unrated? ps, Charlie, I hope you are not answering this tonight. I haven' been sleeping well lately and was hoping to catch a few ZZZ's by now... I wish a restful night's sleep for all the board members. Writing responses and questions is fruitful, but ZZZ's would be better . Nite, nite...
