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Should I dispute accts as IIB?

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SFernandez13461
Frequent Contributor

Should I dispute accts as IIB?

All my creditors updated the reporting on my accounts as closed and included in bankruptcy weeks ago, but both of my US Bank accounts are still reporting as open and paying as agreed. At first I was concerned my attorney had somehow forgotten to include them in my petition or something, but I already checked. Disputing positive reporting sounds counterintuitive,  but this  makes me nervous for some reason. Should I dispute the accounts or just try to be patient? 

Thanks. 


EX 695, EQ 703, TU 681 (1/17)
Message 1 of 5
4 REPLIES 4
Scupra
Super Contributor

Re: Should I dispute accts as IIB?

An old cap1 card that had a $0bal still reports as open and paid as agreed.. Just never done anything and no problems here ymmv
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 2 of 5
0REDSOX7
Valued Contributor

Re: Should I dispute accts as IIB?

Are they reporting a zero balance?
BK Discharge 2/11/14

Currently in the garden.
Message 3 of 5
Scupra
Super Contributor

Re: Should I dispute accts as IIB?

Mine does, and just shows ND from date of BK on. Just for reference
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 4 of 5
0REDSOX7
Valued Contributor

Re: Should I dispute accts as IIB?

Also, have you been discharged yet? Sometimes it takes 60 days from discharge to update the reports.

What is the date the TLs were last reported? Again, are they reporting a zero balance?
BK Discharge 2/11/14

Currently in the garden.
Message 5 of 5
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