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IIB accounts?

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markhs777
Regular Contributor

IIB accounts?

I recently disputed a BK with EQ as not mine. The file date was way off with the wrong district plus other errors. It came back as mine with the file still not correct. My issue the IIB accounts were affected. I had 2 dispute a Chase and Citi IIB plus call both banks to get them back into discharged. My question is 2 Cap Ones are now showing Acct Status as N/A instead of IIB still with 0 bal or past due and N/a in most other fields BUT show them being charged off 18 months ago and paid as agreed for the last year. EQ considers them negative accounts. Which is better, the way they show now or getting them back as discharged? Thx for any insight.

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