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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?
Metaindigo | 12/2008 | $0 | Bad debt/collection | Details | ||
Hsbc Bank | 10/2005 | $0 | Bad debt/collection | No | Details | |
Hsbc Bank | 7/2006 | $0 | Bad debt/collection | No | Details | |
Chase | 4/2008 | $0 | Bad debt/collection | Details | ||
Cap One | 9/2004 | $0 | Bad debt/collection | Details |
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
Anyone??????? Your help is MUCH appreciated!!