I really did not know where else to put this question so I placed it here.
I filed BK 8 years ago. I have a few issues.
There has been a repo on my credit. I found out it was for a loan that I took a long time ago. That loan was put on my BK and discharged. Afterwords the bank put a repo on my credit. When I found this out a couple years back I disputed it and the credit agencies reported, "We have investigated your dispute and have determined that the item in question does belong to you and will not be removed." I never disputed that the loan belonged to me, just that it was included in a bankruptcy and the bank had every notification and chance to dispute the item at my BK hearing. They never showed. If I remember correctly this type of entry on a credit report is only allowed to be on a report for 7 years? Even if it is not settled. I cannot settle it anyway, and refuse to pay the bank for something that was discharged in a BK. Why would a person go through a BK if the bank can just make you pay anyway?