I am about 6 months until my ch.13 is over. I pulled my credit report and my car which was included in my bankruptcy is showing up a lates. It does not say included in bankruptcy on there. What do I need to do about this? I started a dispute with equifax but what else can I do? If I get these lates deleted will that make my score go up. My score now is about 554 and I was wanting to get an FHA loan after discharge so I was trying to clear up some things before. Thanks for your help!
1) how did you dispute it to the CRA's? 2) isn't there a two year waiting period after discharge to be eligible for FHA? (help here, i don't have my underwriting manual w/me)
I did the online dispute and checked where it said "included in bankruptcy". As for the FHA, I checked their website and it said The FHA guidelines state that they will consider a borrower still paying on a Chapter 13 Bankruptcy if the payments to the court have been satisfactorily made and verified for a period of one year. So I figured if they will consider someone in ch13 that they will for someone discharged. Thanks for your help!
