IL State Police Federal Credit Union ISPFCU HARASSMENT Springfield Illinois

 We pd off the reaffirmed loan which was on a camper n 04. We had also reaffirmed on our house that was financed w/them. We was NEVER late on a payment on the house & it was Not incl n the bankruptcy but to make our lives more miserable the ISPFCU would rept the house as being n bankruptcy til we finally refinanced it to get it away from them. Last July they put what appeared to b a new credit card on our credit file w/the credit bureaus. Not possible as we haven't done business w/them since 03, no longer members with them so even if we wanted to do business with them we couldn't, but we would NEVER do business w/this shady co again. All they did was change the acct nbr on the old credit card that was included in the bankruptcy 13 yrs ago & add $1 to the balance. Anything they can do to harass us

Generally, items on your credit report exceeding seven years aren't a part of the credit report be it with Experian, Equifax, or Trans Union.  Anything over seven years would definitely not be considered as a part of your FICO score either.  It sounds like the loan was fully paid off within the last seven years.  That's unfortunate.  By affirming the loan, you ended up lowering your own credit score, and giving the CU the ability to ding you for late payments.  I understand people believe that by paying the loans back that were previously discharged, sometimes people end up with a higher sense of self - rather than feeling like deadbeats.  However, once your past the bankruptcy period, there is nothing legally obligating you to affirm or pay back that loan.  All you really did was enrich the CU - and hurt your credit rating significantly - all at the same time.  Why??

When you reaffirmed the loan, the CU also reinstated the original date of the loan.  This really means the CU has the opportunity to ding your credit score for a period of seven years from the date the loan is paid off.  All of it is legal and the ability to utilize credit repair letters won't always work.  The other thing you ended up doing is wasting a good chunk of the legal fees you ended up paying to discharge the loans in bankruptcy.  The point of bankruptcy is to provide you a "fresh start" from a mountain of debt.  I suspect the first 12-18 months of your bankruptcy were pretty bad...it's going to be as bad until the seven year period is up.

There are a couple of things you can do for now:

1.  When you contact the credit bureaus in writing, also make a copy of your bankruptcy documentation and specifically the page in your documents specifying the loan in question.  Indicate the loans were discharged legally and there was a voluntary decision to affirm and pay back the loan.  It may not work, but it is worth a shot.

2.  I would draw up a letter (maybe pay your BK attorney a few bucks for his help) indicating the dings in your FICO score and why they happened.  Marry the letter with your bankruptcy documentation.  Often, a potential lender may look at your letter and documentation and see what the CU is doing to you.  A good lender has the ability mitigate the ding in your FICO score through a review of your documentation.

Best of luck to you...