still posting

[christmastrees51]

I originally posted this under credit repair with no response - hopefully this is the right forum.

My daughter filed chapter 7 and it was discharged in August 07. She recently checked her credit report and saw that two credit card companies were still reporting late payments as of 6/08. One c.c. comp. just reported a charge off and then sold the account to a collection agency that has started to report late payments. These c.c. comp. were given the paper work for the chap. 7

Isn't it against the law to keep reporting late payments and to charge off an account after being notified of a chapt. 7? What should be done first?
Thank you for any advice.

[scorch]

Why not just dispute everything? All the negative information on your daughter's credit report is probably incorrect anyway, but first you may want to dispute old contact/personal information. I hope you have hard copies of the credit reports.

You can actually search forums for more information so you can get any other additional questions you may have answered which means to you, you can get better understanding about the credit repair process in multiple posts rather than just one. You should also check the main site for writing good dispute letters to the 3 bureus. Good luck!

[chane]

I agree with scorch. Dispute everything. Whether the account is reporting that it's in bankruptcy or not - it is still negative.

Sending the bankruptcy papers to the CRA's is the biggest mistake you could ever make. I wouldn't recommend sending them to any of the creditors either.

Dispute everything, but don't give a reason for your dispute. Do NOT mention the bankruptcy.