Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007

Post Bankruptcy How Should Things Report To The CRAs

[ Edited ]
This comes up a lot so I'll start a thread to address it.
Any accounts you include in a bankruptcy, if they were late, in collections, or charge off when you filed for BK, then those lates, collections and charge offs can be reported as such to the CRAs. However, if there are lates reported after you filed, then dispute it as inaccurate.
If you were not late, in collections, or charge off when you filed, then they cannot be listed that way. Has to be $0 balance, closed, IIB (Included In Bankruptcy). If it does not show that way, dispute it as inaccurate.

Message Edited by Noah_Bodie on 06-20-2007 09:56 PM
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.