Discrepancies on Credit Report

[Anonymous]

I just recently discharged (yay) and have been reviewing my reports to ensure accuracy. I've noticed that I have two accounts showing closed but also shows a balance - Citibank CC and a Verizon account, comments are "charge off".

There are also two items under a collection agency JH Portfolio that shows a zero balance, remarks state "included in BK", but the account is still open.

Should I wait 30 days to see if it'll update or should I dispute it? My BK just discharged Aug 22nd.

[medicgrrl]

I would wait.  They may update with their regular monthly updates.

[Anonymous]

Agree with medicgrrl.

I had a half dozen discrepancies the first time I pulled my report after discharge. I gave it a few weeks and ended up only needing to dispute one or two.

[Scupra]

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@Anonymous wrote:
I just recently discharged (yay) and have been reviewing my reports to ensure accuracy. I've noticed that I have two accounts showing closed but also shows a balance - Citibank CC and a Verizon account, comments are "charge off".

There are also two items under a collection agency JH Portfolio that shows a zero balance, remarks state "included in BK", but the account is still open.

Should I wait 30 days to see if it'll update or should I dispute it? My BK just discharged Aug 22nd.

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Were these accounts charged off prior to you filing the BK?

[Anonymous]

Thank you medicgrrl and steeler!  

@Scupra They were all charged off before the bankruptcy.

[Scupra]

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@Anonymous wrote:

Thank you medicgrrl and steeler!  

@Scupra They were all charged off before the bankruptcy.

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Things that were charged off prior to filing won't be updated to IIB. We have had some back and forth on this one but trying to get the CRA's to update a previously charged off TL to IIB is near impossible unless you get very lucky.

[Anonymous]

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@Scupra wrote:

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@Anonymous wrote:

Thank you medicgrrl and steeler!  

@Scupra They were all charged off before the bankruptcy.

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Things that were charged off prior to filing won't be updated to IIB. We have had some back and forth on this one but trying to get the CRA's to update a previously charged off TL to IIB is near impossible unless you get very lucky.

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Ok, got it.  Although the comments wont change to IIB, shouldn't the amounts report zero?  If so, that's the discrepancy.    The balance of these items aren't showing zero.  

[Scupra]

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@Anonymous wrote:

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@Scupra wrote:

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@Anonymous wrote:

Thank you medicgrrl and steeler!  

@Scupra They were all charged off before the bankruptcy.

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Things that were charged off prior to filing won't be updated to IIB. We have had some back and forth on this one but trying to get the CRA's to update a previously charged off TL to IIB is near impossible unless you get very lucky.

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Ok, got it.  Although the comments wont change to IIB, shouldn't the amounts report zero?  If so, that's the discrepancy.    The balance of these items aren't showing zero.  

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That is something you could dispute. I am not too sure what updating the balance to zero will do though. When was the DoFD, are they possibly close to aging off?

[Anonymous]

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@Scupra wrote:

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@Anonymous wrote:

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@Scupra wrote:

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@Anonymous wrote:

Thank you medicgrrl and steeler!  

@Scupra They were all charged off before the bankruptcy.

---

Things that were charged off prior to filing won't be updated to IIB. We have had some back and forth on this one but trying to get the CRA's to update a previously charged off TL to IIB is near impossible unless you get very lucky.

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Ok, got it.  Although the comments wont change to IIB, shouldn't the amounts report zero?  If so, that's the discrepancy.    The balance of these items aren't showing zero.  

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That is something you could dispute. I am not too sure what updating the balance to zero will do though. When was the DoFD, are they possibly close to aging off?

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I thought I read somewhere in the forum that we wanted the balance to show zero.  The Citibank CC should be coming off next year but the other three items still have 5 years to go.

[Scupra]

I was just wondering if you could ask for early exclusion yet I would submit disputes asking CRA’s to update the balance to $0. You aren’t liable for the debt anymore so it should report $0