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Dispute aged accounts IIB??

Established Member

Dispute aged accounts IIB??

I have several older accounts IIB that help with my AAoA but contain inaccuracies.  I disputed one and got a delete but it dropped my TU three points.  The other accounts are 7 - 10 yrs olds and will drop in 2019 (about the same time as my discharge).  Should I continue scrubbing my reports (and forget the temporary point losses) as my discharge approaches?

8 REPLIES
Frequent Contributor

Re: Dispute aged accounts IIB??

That's a personal choice and is really up to you. It comes down to whether the point dropped hurts more now or if you can wait until they drop off. 


Community Leader
Super Contributor

Re: Dispute aged accounts IIB??


Yeliaba wrote:

I have several older accounts IIB that help with my AAoA but contain inaccuracies.  I disputed one and got a delete but it dropped my TU three points.  The other accounts are 7 - 10 yrs olds and will drop in 2019 (about the same time as my discharge).  Should I continue scrubbing my reports (and forget the temporary point losses) as my discharge approaches?


I would say it depends on whether you anticipate having any major credit needs coming up before the BK drops. Are you wanting to purchase a house? Will you be needing to replace your car? If so, leave them on there for the points you are getting from them.

Most Recent FICO 8 Scores EX592/TU539/EQ574 11/01/2017 Starting scores 553/485/543 08/25//2017
~~~Credit lines~~~~
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Established Member

Re: Dispute aged accounts IIB??

Thanks!! I couldn’t determine if I’ d get a better bump from removing them.

Community Leader
Super Contributor

Re: Dispute aged accounts IIB??

Me personally....Id leave them! I have 6 acts IIB reporting negatively on my reports due the negative wording of "IIB". Im not disputing any of that...those acts even though negative, are from 1999/2000. Same here...they drop in 2019. Im keeping mine, they are helping my AAOA/AHOA. lol. Smiley Wink
(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Established Member

Re: Dispute aged accounts IIB??

Yeah!!  I guess I’ll leave them alone.

Valued Contributor

Re: Dispute aged accounts IIB??

Hi Pizza.   What is AHOA, please?

FICO 08: EX-690, EQ-707, TU-697 - [9/19/2017]
FICO 04: EX-684, EQ-681, TU-724 - [9/5/2016]
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173K Total Revolving
BK 7 Filed 8/23/2013 - Discharged 11/27/2013.
Frequent Contributor

Re: Dispute aged accounts IIB??

I think they meant AoOA, Age of Oldest Account.

EX671 TU 686 EQ 675
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Frequent Contributor

Re: Dispute aged accounts IIB??


CH-7-Rebuilding wrote:

Hi Pizza.   What is AHOA, please?


Helpful list of common abbreviations: http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458