Quote:
Originally Posted by Maygen13  Sorry, it won't let me edit my previous response.
Well crap, I just got off the phone with Honda and because my atty didn't file a "reaffirmation" for the Honda they legally can not report anything after the bankruptcy was filed. So now the three years after the bk was filed and discharged doesn't count on my credit report. THAT really sucks. She said they HAVE to make a remark stating that there was a bk and stop reporting at that time due to bk laws. She said that they are not reporting it to the CRA's as derogatory... How do I proceed with this one? Do I fight it with the CRA and try to have them change the derogatory? THIS SUCKS!!!!! |
If it wasn't listed in the bk then they should be able to remove it.What they can do is to let you dispute it then not respond to the dispute,as they have no LEGAL obligation to report it,nor to not report it.I think it is amazing that csr's can give a legal answer to your question,when we know that it can be changed,in fact a bk can be removed from your credit history.:huh: