Valued Contributor
Posts: 1,993
Registered: ‎04-07-2009
Re: Question on Scoring for IIB vs. CO/paid

The accounts that were included in the BK should not be reported as a paid charge off. The difference between a charge off and the BK account is who is responsible ofr the debt. The included in BK  you are not responisble and the Charge off you are responsible.  If you want to dispute this dispute the trade lines that are shown as a charge off and if you have the paperwork send TU the list of accounts that were included in the BK.

Equifax My FICO score 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011