CR says bad debt and doesn't say included in BK

[JMMD]

I finally checked my FICO report and there are two CC that were included in our BK that are showing as bad debt  and accounts closed, but it doesn't show as included in BK. Because the accounts are closed does it matter if it doesn't show as included in the BK? The balances ar3e $0 and it states accounts closed.

[granny031350]

score wise, probably not

[Countingpennies]

Where it may make a difference (it did in my case,) is if there is payment history showing with lates, and by updating to IIB the payment history is removed. EQ does this, TU sort of does this, EX no. So, any bump probably not due to IIB notation, but lates removed.

Again, my experience, YMMV.

[JMMD]

Thanks. I will dispute it and see if I can have it changed to include the BK.