I forgot to tell you all. In the process of getting our reports pulled and nothing that my hubby filed bankruptcy is showing as such but I knew that. We haven't started working on his reports yet to get them reporting correctly. Anyway, these *******s, Credit Acc Corp that is, it still updating his freaking report every month showing it past due the amount we owe them, but it is not charged off or R9 just 90 days late. We are far from 90 days late since these people got a judgement against him and that is one of the reasons we filed bankruptcy. The last time they updated 90 days late was 1/02. I can't believe them. I better start writing letters today. I just have to get a hold of a actual copy of the credit report from last night. I will ask today if I can have one but I know the rules since I worked there, they probably won't give me one.
Do what I did, I immediately called their legal department, spoke with a person in charge and told them the following: Please report this as attached in BK7. If you do not, I will have my attorney send you a letter THEN sue you for damages. They asked me for my lawyers name and number and 2 weeks later my report showed attached in BK (even though they put CH 13 instead of 7, but it hasn't hurt my score either way). CAC only understands one thing, lawsuits are bad for them. They are sued all the time (look at there SEC filings) for fraudulent activity (Ohio filed a Class Action and won a few years back as CAC owned car lots but didn't tell the buyers of their used cars that when they were approved for loans on lemons). Threaten their legal people, give them your attorney's # (unless you filed yourself, then get a fax #, forward the appropriate paperwork AND get a confirmation) and be indignant and strong on the phone (works most of the time as long as you aren't verbally abusive). If after they tell you they'll fix it, and it hasn't call back with a final warning. That's my advice...from somebody who has gone through hell and back with this scumbag company.
