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  1. #1
    Join Date
    Apr 2012
    Posts
    2

    Default Banks Keep Reporting Activity on Credit Report

    My question involves bankruptcy in the state of: KY
    I filed chapter 7 in 2005 with some credit card debt on 3 banks. I recently pulled my credit report because I was told that these charge offs were current when I thought they were off my report in 7 years (this year).

    I discovered that 2 of the banks have reported the accounts charged off a total of 3 times, including 1 this year. This appears to be resetting the 7 year clock with the credit reporting companies. I know they are not allowed to collect the debts, but this seems to be a way of punishing me past the 7 years.

    Any thoughts?

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    74,886

    Default Re: Banks Keep Reporting Activity on Credit Report

    If you believe you have grounds to dispute the entries on your credit reports, dispute them.

  3. #3
    Join Date
    Apr 2012
    Posts
    2

    Default Re: Banks Keep Reporting Activity on Credit Report

    I did. Isn't there some rules about retaliation? Is this practice wide spread? I have 2 banks doing the exact same thing and is causing me to be unable to get a mortgage approved.

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