We filed for BK in Feb. 2009, discharged in August from Chapter 7. We are in the process of cleaning up our credit bureaus and are trying to get accurate info as to when reporting of late payments should stop. We were under the impression that a Bankruptcy stay went into effect upon filing, and creditors were unable to try to collect or report any more late payments beyond the filing date. Equifax corrected everything, but Experian is telling us that they can report late pays until the date of discharge. I haven’t yet talked to Trans Union.

Does anybody know what the law says about this? Can they legally report late payments between the filing date, and the date of discharge?

Any advice is greatly appreciated.

Technorati Tags: accurate info, bankruptcy, bk, chapter 7, credit bureaus, creditors, equifax, experian, late payments, trans union

I had a few judgements that were supposed to be removed from my credit report when I filed for chapter 7 bankruptcy, but 2 of them are still on there. How do I get these removed, like who do I contact. One I had contacted someone before and they said they were going to remove the item, yet they haven’t and it is being reported on all 3 agencies which I am sure is bringing my score down. The other one is only on my experian, but it should have been removed once I declared bankrupcy right. There was also a collection that was never removed. All three of these items are on my discharge report and my report when I filed, so they should be gone right. Any info would be greatly appreciated.

Technorati Tags: chapter 7 bankruptcy, credit report, experian, judgements, score