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 Posted: Tue May 09, 2006 12:36 pm Subject: Conflicting info on report |
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I recently had an account on my report that originally said it had been charged off changed to say it was included in a past bankruptcy. After checking my report again, I noticed while it does say that it was included in a bankruptcy, it still shows it having been late on payments well past the bankruptcy (even though I paid the minimum right up until filing). Is this something that I might be able to fix with a dispute to the reporting agency? Would it even change my score?
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Ehwin
Joined: 11 Apr 2006
Posts: 147
Debtcc Points: 3891
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| Posted: Tue May 09, 2006 12:55 pm Subject: |
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Dispute it...And YES it can affect your score.
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Jessi
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Joined: 01 Dec 2005
Posts: 3466
Debtcc Points: 20206
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| Posted: Tue May 09, 2006 1:14 pm Subject: |
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All of these disputes are such a pain! You'd think it would be quite obvious if the bankruptcy was discharged in Sept. of 2003 that any "non-payments" since then are inaccurate. Good grief! I think I'm more fixated by this number (credit score) than I am about my weight... and coming from a girl, that's a big statement!
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Ehwin
Joined: 11 Apr 2006
Posts: 147
Debtcc Points: 3891
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| Posted: Tue May 09, 2006 1:36 pm Subject: |
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Ehwin, me too...lol This has been an absolute obsession of mine this year.
The creditors/collection agencies/bureaus are lazy. You basically have to do their job for them so that you can have the credit you deserve.
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Jessi
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Joined: 01 Dec 2005
Posts: 3466
Debtcc Points: 20206
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| Posted: Thu May 11, 2006 4:29 pm Subject: |
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I hear you! I'm so pissed because an account I settled back in '02, which went in default because my ex was tossing my mail, stills shows up on my CR as in collections. My student loans and my car payments are also holding my score down and that's not fair because my student loans are in deferment until January and my car payments are always on time.
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JediMistressAri
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Joined: 05 Dec 2005
Posts: 2244
Debtcc Points: 28855
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