I've disputed multiple times, paid to get this stuff removed and nothing ever happens.... What this does is show up with 30/60/90/120 day late's in my payment history even though these account were included in my Chap 7. What does it take to get this removed? I'm coming up on the statue of limitations for NJ which is 6yrs (not sure if thats the case for stuff included in BK) CAP ONE 2008 - 04 2007 - 11 Revolving 517************ 2008 - 04 2004 - 08 500 0 13 1 2 0 ACCOUNT 60 DAYS PAST DUE TWO TIMES DEBT INCLUDED IN OR DISCHARGED THROUGH BANKRUPTCY 7, 11, OR 12 LAST REPORTED DELINQUENCIES: 04/2008=R ,03/2008=R ACCOUNT CLOSED BY CREDIT GRANTOR CHAPTER 7 BANKRUPTCY CreditCard Closed Experian, TransUnion B - 1 CAP ONE 2012 - 01 2008 - 03 Installment 5178************ 2004 - 08 0 12 0 0 0 BANKRUPTCY CHAPTER 7 INCLUDED IN BANKRUPTCY UnknownLoanType Open Equifax B - 1 CCS/FIRST NATIONAL B 2008 - 06 Revolving 4403************ 2008 - 06 1999 - 12 2500 0 99 DEBT INCLUDED IN OR DISCHARGED THROUGH BANKRUPTCY 7, 11, OR 12 LAST REPORTED DELINQUENCIES: 06/2008=R ,04/2008=R CHARGE OFF There are more, but this give you a good idea of what i'm talking about
Payment history is payment history. As long as it is reporting correctly as being included in BK, it's right. Now if there are OTHER disputes then those are what you would want to dispute. BK can report for 10 years.
