topic Re: IIB changed to "pays account as agreed"? in Bankruptcy

IIB changed to "pays account as agreed"?

myfico5378 — Fri, 03 Apr 2009 15:17:24 GMT

I have 2 BofA accounts that were reported on EQ as IIB. I disputed them about a month and a half ago due to age. They were due to fall off in the next couple of months. EQ changed one of them to "Pays account as Agreed" and left the other IIB and noted both that they were disputed by customer. I just logged in to check my credit report (as I do daily) and EQ has changed the other one to "Pays account as agreed" even though they closed out my dispute and sent a report a couple of weeks ago.

I'm surprised to see that they changed the status instead of just deleting. This will allow them to be reported another 3 years, correct? Are there any possible negative consequences to this?

Re: IIB changed to "pays account as agreed"?

llecs — Fri, 03 Apr 2009 15:24:29 GMT

Did you have a chance to see your EQ score yet?

Re: IIB changed to "pays account as agreed"?

myfico5378 — Fri, 03 Apr 2009 15:27:58 GMT

Yes, after seeing the notation, I logged in here and pulled a score power report. My EQ score is 687. It hasn't changed in about a month (since I paid down my revolving util). I still have one account (AMEX) marked IIB on my report. Maybe when that one goes away my score will go up?

Re: IIB changed to "pays account as agreed"?

llecs — Mon, 06 Apr 2009 03:54:03 GMT

Having it deleted could have dropped your score if the age was helping. I lost points once on removing an unpaid CO. It should continue to report for another 3 yrs and add some positive history and points.