Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Good morning. I will assist you today. A few questions, are you still making payments to the plan?
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The new car loan should be reported on the credit report because it is a debt. However, the fact that your chapter 13 had been discharged in September of 2015, and you took out the loan in August of 2015, then any debts incurred during that period the credit reporting agency believes that the loan was taken out under the chapter 13 plan. All you can do is dispute the entry by writing each credit agency and state that the loan was taken outside of the chapter 13 plan and it should be reported on your credit report, Include copies of the Chapter 13 Plan showing that the car loan is not on the plan, the vehicle contract and the car title showing the lien. You should also ask the financing company for a letter stating that the loan is not in the chapter 13 plan. After that they should correct the entry and the car loan will appear on your credit report.
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