Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
Re: Chapter 13 closed accounts

You had mentioned that only the BK would show so I was assuming that you didn't have any opened accounts. If you do have opened accounts, then obviously you do have a FICO score and are on the way to rebuilding the score back up.

 

You still need to weigh the age of each IIB account in relation to your AAoA, and to the age of your overall length of history. While a IIB notation on your CR within a given tradeline is a negative, the history can help more than the baddie hurts. In other words, in some situations, removing a IIB account can drop your score because you are losing history.