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Still reporting after Chapter 7, four years later.


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Posted by TAK (198.81.26.79) on October 14, 2003 at 21:51:21:

I filed Chapter 7 in December 1999. My car was repo'd by my credit union before that. I included the deficit in my BK. I recently pulled a 3 in 1 credit report and found that, starting in November 2002, the credit union has been reporting my account as a Charge Off every month to every other month. Their last report to all 3 bureaus was August 2003. Is this legal? How is my credit going to get better if they continue to add it to my current credit rating? Is there anything I can do?


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