$6300 assuming the Dell card remains open.
@jim44 wrote:
@Anonymous wrote:I have a Dell Preferred account with a $6000 limit that I simply forgot to include in my chapter 7 because I haven't used it in years and have no physical card.
It is showing up as still open on the credit reports I pulled after discharge. In fact, it is coming up as a blemish due to low utilization on one of the reports (forget which one). As far as I can tell, I could use the store credit. However, there is nothing I need or want to buy from Dell.
If I manage to get another small limit card ($300 or whatever), will my utlization be factored based on total avaliable credit of the sum of $6300? Or would I still need to only use less than 10% of the new card?
This can be slightly confusing at first or at least it was for me. On my TU report I'm showing two Discover accts still open, showing zero balances and 8k CL's. On Equifax they are both showing closed. So naturally my TU score is higher factoring in these CLs as total available credit. I had a BML acct which survived BK or at least I thought it did. My acct was still active and showed an available CL so I used it on eBay. (prior to when it was backed by Paypal). Checkout looked as though I was applying all over again. Maybe the acct was backdated? Anyway YMMV.
Funny how some new accts with preBK banks will reactivate your online accts with the same login but they won't backdate. BOA still had my old checking acct linked and my old address on my new online acct.
Interesting. We'll see what happens. I do still have a few accounts that were IIB, but still showing up as open. Is there any reason to do anything about those while cleaning up my report?
I didn't know Dell was Citibank. I burned them on two different cards for almost $15k. I can't see them letting me have an account with them. Unfortunately, I also have about $25k of Citibank private student loans I cosigned. 
@Anonymous wrote:
@jim44 wrote:
@Anonymous wrote:I have a Dell Preferred account with a $6000 limit that I simply forgot to include in my chapter 7 because I haven't used it in years and have no physical card.
It is showing up as still open on the credit reports I pulled after discharge. In fact, it is coming up as a blemish due to low utilization on one of the reports (forget which one). As far as I can tell, I could use the store credit. However, there is nothing I need or want to buy from Dell.
If I manage to get another small limit card ($300 or whatever), will my utlization be factored based on total avaliable credit of the sum of $6300? Or would I still need to only use less than 10% of the new card?
This can be slightly confusing at first or at least it was for me. On my TU report I'm showing two Discover accts still open, showing zero balances and 8k CL's. On Equifax they are both showing closed. So naturally my TU score is higher factoring in these CLs as total available credit. I had a BML acct which survived BK or at least I thought it did. My acct was still active and showed an available CL so I used it on eBay. (prior to when it was backed by Paypal). Checkout looked as though I was applying all over again. Maybe the acct was backdated? Anyway YMMV.
Funny how some new accts with preBK banks will reactivate your online accts with the same login but they won't backdate. BOA still had my old checking acct linked and my old address on my new online acct.
Interesting. We'll see what happens. I do still have a few accounts that were IIB, but still showing up as open. Is there any reason to do anything about those while cleaning up my report?
I didn't know Dell was Citibank. I burned them on two different cards for almost $15k. I can't see them letting me have an account with them. Unfortunately, I also have about $25k of Citibank private student loans I cosigned.
Do the accounts that still show as open have a balance?
@ezdriver wrote:Legally, all outstanding consumer debt is included in a ch7 filing unless one secures a reaffirmation for one or more specific debts. The fact that DELL's charge card shows as open on the credit report might simply be an oversight on its part. If you really want to know whether or not the tradeline is active and open, then call the creditor.
That makes sense. I don't really care if it is open as I have no intent of using it. If it helps my credit score, I'll let the oversight continue. 