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Archive for September 5th, 2009

chapt 7 bankruptcy discharged, yet 1 acct not included in a credit report. why?

h asked:


i had 2 homes with 4 loans… filed chapter 7 and got discharged in feb. this year.
tonight, i opened to view my credit report… 1 out of 4 wasn’t found in it.

from the credit report online it shows me this:

home (md):
1st loan - balance $30k / past due $30k (why doesnt this say 0?)
2nd loan - balance 0 / past due 0

home (va):
1st loan - balance 0 / past due 0
2nd loan - Not listed.

unlike other accts above, i can still view using id/pass for 2nd loan (va) and it says i owe as of this month.

i sent an email to the customer svc. for clarification… did they forget on following up to close the acct? i dont understand…

any input…?
as far as i know, 2 homes got foreclosed and sold.

i hope it’s an admin error. what worst can happen?

TOMMIE