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6MOS Post Discharge, Still OPEN Accts

Regular Contributor

6MOS Post Discharge, Still OPEN Accts

I am exactly 6 months post discharge with my ch7. I periodically check my Credit Karma to see what's on the reports. I don't really pay attention to the scores as they are not a reflection of the FICO's but I do like to see what's on my Equi and Trans through them. Anyhow, I noticed that a few accounts that I had IIB were now 'OPEN but have notations of "IIB" listed. My understanding that these should be CLOSED with IIB notations, correct? These are this way on my Equifax only (not Trans). I worked super hard through Equifax's specialty department to have these listed as 'CLOSED with IIB notations about 4 months ago. Successsfully, they reported it correctly (manually without the 'help' of the IIB creditors). Now I login and see the accounts 'OPEN' again. What should I do? Should I bother fighting them again or will this negatively affect my credit? The IIB creditors are CreditOne, Merrick and Fingerhut.

 

Thanks in advance for your sound advice.

Message 1 of 4
3 REPLIES
Community Leader
Senior Contributor

Re: 6MOS Post Discharge, Still OPEN Accts

First, I would verify they actually report as open on a full report from EQ. Sometime CK can report things a little odd

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 2 of 4
Regular Contributor

Re: 6MOS Post Discharge, Still OPEN Accts

Great point! Thanks Scupra!

Message 3 of 4
Community Leader
Senior Contributor

Re: 6MOS Post Discharge, Still OPEN Accts


beezer32 wrote:

Great point! Thanks Scupra!


No problem! I know CK sometimes says my accounts report closed and then a couple days later I get notified of "new accounts" lol

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 4 of 4