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Registered: ‎08-28-2007
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How does FICO scoring model handle "BK/Chg off" account status?

Experian lists 4 of my accounts as status "Bankruptcy/Charge off" on their website and printed copies of my report. When I buy my Experian report here at MyFICO the status is "Debt included or discharged through Bankruptcy Chapter 7, 11 or 12".

My question is... Does the FICO scoring model allow for more than one account status?

The 4 charge offs can't be hurting me too badly, if at all, as Experian is my highest score. My Equifax and Transunion reports have no charge offs on any bankruptcy account.

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