Re: Credit Report after the Bankruptcy

You should contact the three credit bureaus about 3 to 6 months
after a discharge to make sure your "lates" have been changed
to "bankruptcy." It beats having to fix all this suddenly two years
from now when you are trying to get a mortgage or car.

Equifax Credit Info
P.O. Box 740241
Atlanta, GA30374
1.800.685.1111
www.equifax.com

Experian Credit Data
P.O. Box 2002
Allen, TX 75013
1.888.397.3742
www.experian.com

Trans Union
P.O. Box 4000
Chester, PA 19016
1.866.887.2673
www.transunion.com



--- In , "treasuresplanted"
wrote:
>
> Thought I'd pass on something that happened to us recently. When
> refinancing our home, we found out through the mortgage broker
that
> three of our discharged accounts were still showing up as LATE on
the
> credit reports. The companies had the accounts as bankruptcies in
> their records, but the credit report agencies (Equifax, etc.) had
the
> accounts as very, very late (over 3 years!). This has affected
our
> credit rating score, so we probably didn't have to accept 11% on
our
> new car loan a couple of years ago! We received 5.87% on our
> refinance when the accounts were corrected.
>
> We should have pulled all three agencies credit reports a few
months
> after the discharge and made sure that all accounts were written
as
> discharged. Now it is costing us money to get proof and send it
to
> the agencies, since our bankruptcy records are in storage (it has
> been over 3 years).