IIB credit cards still report

[turion65x]

Hello not sure if anyone answered this but please forgive me, recently I pulled my Experian CR it shows that some creditors that were included in BK 7 Report every month not sure if this is something normal, it does show zero balance with a comment of included in BK7 discharge, but my concern is this effecting my credit score??

I did file dispute on my Car loan that was PIF ... Not sure if this cause some of the creditors to updated the "last report date"

Can I also mail out some GW letters to some of my IIB account? 

                                        *Discharged 7/08                                                                                                                                              Thanks to all 

[turion65x]

Anyone?

[llecs]

A dispute will update that date. It's normal. Per FICO it can impact your score in some cases. Depends on the change.

Yes, you can GW IIB accounts.

[turion65x]

Experian told me I can file a dispute, do you think that's a good option ..... Have you also heard of creditors deleting  accounts in CR based on there discretion when they receive the GW letter ? Thanks

[llecs]

There are herds of GW success stories out there. Some creditors are easier than others. YMMV. Search around.

[NinjaParadox]

I am having similar issues with Chase and my mortgage payments.

I am riding through but didn't reaffirm.

Every month when they report, for some reason FICO considers it a late payment.

It is KILLING my credit score.

2 years after a BK and I have been PERFECT, yet my score is only 604.

I suggest you run your credit report and see when they consider your last late payment to be.

[turion65x]

Yes, Experian updated my Bk CC and they all came the same way so  I will deff give them a a call

[Freakshow77]

I have same situation with a car loan. It wasn't reaffirmed but I'm still paying on it on time every month.

My CR states zero balance, is this hurting my scores? Should I let this car go and get another one? To improve my score? Since I don't think I'm liable for the car anyways?