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Wasn't late yet School put a late on my report

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Hey everyone,

My BK was discharged in Nov of 2016 and last month I got my first statement since the automatic stay and they wanted the entire loan due in full on 7/1/2017. Today, I scraped the money together and made the payment. I checked CCT today and my Experian dropped 13 points and says I have 1 late from JUNE for this loan. I have literal steam coming out of my ears. I checked the online portal and prior to this statement the last one generated was back in 2014. There was no statement in June, nothing due for June.

The bursar department is comprised of extremely difficult people. I'm thinking I should first dispute with Ex.

What should I do?

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Was June your next scheduled payment due date prior to filing BK or did you file BK after June?


Hey there, neither. By the time I filed for BK, the account had been turned over to collections for almost 3 years. I filed in July 2016 and was Disc. in Nov of 2016. I had no word from the school at all until last month when I got a statement saying that the full balance was due July 1st. That's the only correspondence I received from them about this loan since 2014.

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