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Reported as Charge off after BK filed 3 years ago!

Tiredmama

By Tiredmama
in Credit Forum

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The last post in this topic was posted 7374 days ago. 

 

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Tiredmama

Tiredmama

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I wanted to get some input here. I'm calling my attorney on Monday but here's the deal. I checked our credit report yesterday only to find one of our creditors that was included in our BK 3 years ago, has reported the account to the CRA's as a charge off! Not only that, they changed the account # on the account by just a few numbers (on the end of it). I have my dispute letters ready after reading through PsychDoc's course but my concern is, are they going to just continue to report it every once in a while to the CRA's? What do I do about the changed account #? It's such crap! We have been working so hard to get our credit score up since the BK and this pisses me off! Thanks for any thoughts!

 

Mel :)


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radi8

radi8

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I wanted to get some input here. I'm calling my attorney on Monday but here's the deal. I checked our credit report yesterday only to find one of our creditors that was included in our BK 3 years ago, has reported the account to the CRA's as a charge off! Not only that, they changed the account # on the account by just a few numbers (on the end of it). I have my dispute letters ready after reading through PsychDoc's course but my concern is, are they going to just continue to report it every once in a while to the CRA's? What do I do about the changed account #? It's such crap! We have been working so hard to get our credit score up since the BK and this pisses me off! Thanks for any thoughts!

 

Mel :aggressive:

 

Changing the account numbers to attempt to circumvent a BK discharge isn't something a BK judge is going to smile upon. That's a deliberate attempt to undermine the federal court's authority. Naughty naughty.

 

Dispute it, see what you get.

Then send the OC a letter informing them that you've noted the switcheroo. Give them a deadline to make things right, or your att'y will have a federal BK judge do it for them.

Then if they don't correct their error- do it.

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