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Hello,
I am trying to understand my credit file better. I remember reading somewhere that a bk will remove late history and just make it IIB which is equally as bad. I have a few Capital One cards that are IIB *and* showing lates (on Experian). Is this correct? Sorry if I misunderstood.. and that lates that are pre-bk are supposed to be preserved.
Thank you for your time and information.