sawyersdada Posted August 26, 2013 Report Share Posted August 26, 2013 My spouse has a couple of Credit Union accounts that are reporting improperly. They were discharged as part of a Chapter 13, but they are still reporting as currently active. One of the accounts is even reporting as FP (failure to pay) for the last 6 months, which I know is seriously affecting her score on that report. I want to contact the creditor to have them correct the information. However, these two accounts have been completely deleted from one of my CRs and are showing properly on the other two. If I contact the creditor, will I risk reinsertion on the CR of mine that has them deleted? Would the best course of action be to just attack the CR directly? Any advice would be extremely helpful! Thanks! Link to comment Share on other sites More sharing options...
TomnTex Posted August 26, 2013 Report Share Posted August 26, 2013 I would think that the BK would have resolved it. How far are you from the seven year fall off? Unless others have a better idea I would think you could tell them that she had been through BK and it should be reported correctly. Link to comment Share on other sites More sharing options...
sawyersdada Posted August 26, 2013 Author Report Share Posted August 26, 2013 They should fall off in early 2015. For the 2 CRs they are showing for me, the information is reporting correctly. My ultimate goal would be deletion of course. I could write the CRA and site improper status as grounds for deletion, correct? Link to comment Share on other sites More sharing options...
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