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Reporting Wrong???????

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shorrttyycm1
Frequent Contributor

Reporting Wrong???????

Hi Everyone,

 

Hoping to get some advice please!!  The accounts below were all included in my chapter 7 discharged in April 2011.  On Equifax, which just happens to be my highest current score, is reporting these accounts as below....Bad Debt/Collection but with 0 balances??  Is this right?  Shouldn't they say IIB?  Also, will disputing them cause my score to drop?  Maybe because I initiating activity?  Are they still hurting my score as I think that the most recent activity on most of them are dated 8/2008?

 

      
OtherMetaindigo  12/2008$0Bad debt/collectionThis account has late payments in the pastDetails
OtherHsbc Bank  10/2005$0Bad debt/collectionNoDetails
OtherHsbc Bank  7/2006$0Bad debt/collectionNoDetails
OtherChase  4/2008$0Bad debt/collectionThis account has late payments in the pastDetails
OtherCap One  9/2004$0Bad debt/collectionThis account has late payments in the pastDetails

 

Also, it is showing that I have 1 collection account.  That account was a medical included in bankruptcy.  It is showing as a medical collection under collection agency 414YC00000-American Adjustment Bur?  It states in the comments included in Chapter 7 but it is also still showing under collection accounts??

 

ANY ADVICE PLEASE!!!!!!!!!

 

TU: 626   EQ:  642  10/2011


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


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shorrttyycm1
Frequent Contributor

Re: Reporting Wrong???????

Anyone??????? Smiley Sad  Your help is MUCH appreciated!!


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Message 2 of 2
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