Reply
New Member
Posts: 2
Registered: ‎05-09-2013
0

Chapter 7 Bankruptcy, Discharged Account Reported Again 2 Years Later!

My husband and I filed chapter 7 bankruptcy about three years ago and it was discharged in 2010. I had two Target credit card accounts that were included in the bankruptcy. This week I pulled my Equifax report and it showed the two Target accounts were reported again last month as a negative account! It still says "discharged in chapter 7 bankruptcy" but now these two account are showing 4 times total on my report as negative accounts. Apparently Target Bank was recently bought out by TD Bank so I'm wondering if that's why the accounts were reported again but can they do that? If I dispute them as duplicate accounts can I get them removed? The old account don't show any reporting activity since 2010...

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Chapter 7 Bankruptcy, Discharged Account Reported Again 2 Years Later!

You should be able to have them removed as duplicate accounts.  Instead of disputing I would call the CRA and talk to them to see about getting those 2 removed.

New Member
Posts: 2
Registered: ‎05-09-2013
0

Re: Chapter 7 Bankruptcy, Discharged Account Reported Again 2 Years Later!

I called and the rep said the accounts that were reported last month show different account numbers but  that either way since they are noted with the chapter 7 filing it's not going to affect my score. Not sure I'm buying that explanation.

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Chapter 7 Bankruptcy, Discharged Account Reported Again 2 Years Later!

[ Edited ]

The IIB notation should have no affect on your score.

 

Do they all show a 0 balance?

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.