Posted on: 08th Jun, 2012 01:50 am
My bankruptcy was discharged but 2 of my CC cards reported did not report correctly as IIB. Those two were from the same lender. Rather than reporting as IIB they were reporting as "Charged Off/Sold". I know they were not charged off. I filed a dispute with the three CRA. One verified them without any changes. But the other two changed their status to IIB but then added in a "Creditor Notation" which read "Charged off/sold". The actual payment history field reads "closed" for the month before I filed now rather than CO. Can my creditor do this? The information is still wrong.
If the accounts have been included in your bankruptcy filing, then the creditor should report the same. They can't report a "charged off" status unless the account has been really charged off.
Hi Belmt,
You should contact the credit bureaus and dispute the matter with them. If needed, you should contact your bankruptcy attorney and ask him to deal with the creditors.
Thanks
You should contact the credit bureaus and dispute the matter with them. If needed, you should contact your bankruptcy attorney and ask him to deal with the creditors.
Thanks
I suggest you to find better tax consultant or legal adviser who guide you better in this manner. As any mistake would get you in big problem and you will lose the tax benefits.