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Just noticed an account thats supposed be IIB is good and paid?

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mkkbell
Established Member
‎07-15-2013 10:26 AM
‎07-15-2013 10:26 AM

Just noticed an account thats supposed be IIB is good and paid?

I pulled my reports and found that my citi card cc is reporting closed and "pays as agreed" with not lates on all  3

 

I know this was included in my BK7 petition that was discharged 6/20/13

 

Should i leave this alone (they may figure it out) or dispute a good item?

 

 

Pre BK EQ Starting Score 1/15/13: 495
6/8/15 Current FICO Scores: EX=687, EQ=681, TU=660 - 2 Years post discharge
Goal Score: 700 BK7 Discharged 6/20/13
In my wallet , CapOne QuickSilverOne $2500, Eastern Bank Visa $500, Barclay Apple Rewards $2000, Cap One QuickSilver $1000, Prosper Personal Loan $7600

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SoulMaster
Established Contributor
‎07-15-2013 02:29 PM
‎07-15-2013 02:29 PM

Re: Just noticed an account thats supposed be IIB is good and paid?

If it had a zero balance when you put them on the schedules/filed, then the status of Current/Paid or Closed/Current is correct.  They were on your schedules, but they probably sent a letter to the court to the effect of "This person doesn't owe us any money".  Leave it alone.

 

 Note: I'm assuming it's reporting 0 balance here... if not, then it's wrong.

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.
Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.
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mkkbell
Established Member
‎07-15-2013 03:21 PM
‎07-15-2013 03:21 PM

Re: Just noticed an account thats supposed be IIB is good and paid?

Yeah it had a balance of just under 8K and now shows ZERO.

So should i just wait it out they should have received notice end of March?

 

Also on a couple reports all of the sudden BOA CC is shown twice one with a different account number both listed as IIB?

 

 

Pre BK EQ Starting Score 1/15/13: 495
6/8/15 Current FICO Scores: EX=687, EQ=681, TU=660 - 2 Years post discharge
Goal Score: 700 BK7 Discharged 6/20/13
In my wallet , CapOne QuickSilverOne $2500, Eastern Bank Visa $500, Barclay Apple Rewards $2000, Cap One QuickSilver $1000, Prosper Personal Loan $7600

Take the myFICO Fitness Challenge
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grassfeeder
Frequent Contributor
‎07-16-2013 09:14 AM
‎07-16-2013 09:14 AM

Re: Just noticed an account thats supposed be IIB is good and paid?

don't poke a sleeping bear....

Fico 8 Scores 5/1/22 :
799 EQ | 793 TU | 809 EX
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mkkbell
Established Member
‎07-16-2013 09:40 AM
‎07-16-2013 09:40 AM

Re: Just noticed an account thats supposed be IIB is good and paid?

@grassfeeder wrote:

don't poke a sleeping bear....

was this for the double IIB BOA or the Cit reporting as current 0 balance?

 

Pre BK EQ Starting Score 1/15/13: 495
6/8/15 Current FICO Scores: EX=687, EQ=681, TU=660 - 2 Years post discharge
Goal Score: 700 BK7 Discharged 6/20/13
In my wallet , CapOne QuickSilverOne $2500, Eastern Bank Visa $500, Barclay Apple Rewards $2000, Cap One QuickSilver $1000, Prosper Personal Loan $7600

Take the myFICO Fitness Challenge
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