WCambridge
Junior Member
What is the name of your state? California
I hope this is the right forum to ask this.
Back in 1996, I filed for Chapter 13. In good faith, despite my failings and difficulties at the time, I still wanted to pay my creditors what I owed them. I had filed my case through a law firm. The board of trustees, upon receipt of my case, have sent out notices to all my creditors asking them for validation or balances on my resective accounts to determine total money owed for repayment. There were 3 merchants (unsecured CC) who either did not respond, or reported my balance with them as '0'.
The term was a 36 month plan. Once the total amount owing was determined, the court gave me a date to start my payment through them. For the next 36 months, without fail and without being late even one time, I paid the trustee religiously.
Unbeknownst to me, apparently right at around the 24th month, IRS (which is one of the people I owed money to - filed a notice that I owe additional taxes from my then-current tax year filing (which I arranged payment for with them by letter and telephone call - and I did). Consequently, the Trustee sent out a letter to my attorney's office (for contention of some sort) and they, according to them, in turn sent out a letter to me. I never got the letter as I moved during that time. I got a copy of the USPS notice of change of residence to prove that there was not a reason I shouldn't have received that notice.
Long story short ('m sorry), none of this came to my attention and I still continued to make my payments to the board of Trustee not knowing anything was going on. I even have a copy of the statement saying I paid all 36 payments. However, because of the IRS' notice, they apparently delegated some of the proceeds to IRS and eventually 'dismissed' my case despite my 36 payments.
All of this came to my attention 8 months ago when I pulled my credit report (10 yars snce my original filing date). On my profile, there is a negative report from GE Capital. It reported that I was 180 days 'late' (2005); that I have an account still active with them; and that I requested the account to be closed inconsistent information). On Experian, they report that I have a '0' balance; and on Trans-Union, I have a $182.00 balance. None of this is true.
According to the Trustees record, while GE Capital was one of the merchants I included in my filing, they (GE Capital) reported at the time that I did NOT owe them anything, thus there were no payments scheduled to be delegated to them. But because the court dimissed my case, GE Capital said that according to their record that I do in fact have a balance in that account.
Since my filing and the ensuing payments to the Trustee, I have been trying to build my credibility once again. Despite timely payments and better management, I couldn't understand why my point rating was being cited as one reason I can't seem to get over a hurdle. I previously dismissed most of this as the 10-year consequence I had to go through for filing bankruptcy; until I requested a copy of my credit report and eventually saw GE Capital's entry. The bankruptcy is already out of my profile but GE remains. I've contacted them and I was advised despite my plea and my request, this will remain in my profile.
Is this right? Do I have any legal right to have them remove this in my profile?
I'm sorry this is long, but I will appreciate it if you could shed some light for me.
Thank you.
I hope this is the right forum to ask this.
Back in 1996, I filed for Chapter 13. In good faith, despite my failings and difficulties at the time, I still wanted to pay my creditors what I owed them. I had filed my case through a law firm. The board of trustees, upon receipt of my case, have sent out notices to all my creditors asking them for validation or balances on my resective accounts to determine total money owed for repayment. There were 3 merchants (unsecured CC) who either did not respond, or reported my balance with them as '0'.
The term was a 36 month plan. Once the total amount owing was determined, the court gave me a date to start my payment through them. For the next 36 months, without fail and without being late even one time, I paid the trustee religiously.
Unbeknownst to me, apparently right at around the 24th month, IRS (which is one of the people I owed money to - filed a notice that I owe additional taxes from my then-current tax year filing (which I arranged payment for with them by letter and telephone call - and I did). Consequently, the Trustee sent out a letter to my attorney's office (for contention of some sort) and they, according to them, in turn sent out a letter to me. I never got the letter as I moved during that time. I got a copy of the USPS notice of change of residence to prove that there was not a reason I shouldn't have received that notice.
Long story short ('m sorry), none of this came to my attention and I still continued to make my payments to the board of Trustee not knowing anything was going on. I even have a copy of the statement saying I paid all 36 payments. However, because of the IRS' notice, they apparently delegated some of the proceeds to IRS and eventually 'dismissed' my case despite my 36 payments.
All of this came to my attention 8 months ago when I pulled my credit report (10 yars snce my original filing date). On my profile, there is a negative report from GE Capital. It reported that I was 180 days 'late' (2005); that I have an account still active with them; and that I requested the account to be closed inconsistent information). On Experian, they report that I have a '0' balance; and on Trans-Union, I have a $182.00 balance. None of this is true.
According to the Trustees record, while GE Capital was one of the merchants I included in my filing, they (GE Capital) reported at the time that I did NOT owe them anything, thus there were no payments scheduled to be delegated to them. But because the court dimissed my case, GE Capital said that according to their record that I do in fact have a balance in that account.
Since my filing and the ensuing payments to the Trustee, I have been trying to build my credibility once again. Despite timely payments and better management, I couldn't understand why my point rating was being cited as one reason I can't seem to get over a hurdle. I previously dismissed most of this as the 10-year consequence I had to go through for filing bankruptcy; until I requested a copy of my credit report and eventually saw GE Capital's entry. The bankruptcy is already out of my profile but GE remains. I've contacted them and I was advised despite my plea and my request, this will remain in my profile.
Is this right? Do I have any legal right to have them remove this in my profile?
I'm sorry this is long, but I will appreciate it if you could shed some light for me.
Thank you.
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