topic Re: Missing Accounts on credit reports? in Bankruptcy

Missing Accounts on credit reports?

Anonymous — Mon, 19 Nov 2018 16:34:17 GMT

I checked through CCT and all reports show drastically different ficos. EQ is the only showing a former mortgage and is my highest Fico.
EX and TU not showing former mortgage.
All three are showing 2 accounts not updated as IIB (one of those is VW Credit from my lease because I owed $ after turning car back in)
2 missing credit cards all of the sudden too. (Old Navy Visa and Cap1)
What do I need to do?

Re: Missing Accounts on credit reports?

FireMedic1 — Mon, 19 Nov 2018 19:55:08 GMT

When was your DC? If recently it takes a couple months for everything to update and settle.

Re: Missing Accounts on credit reports?

Anonymous — Mon, 19 Nov 2018 22:01:52 GMT

No DC yet. Next month. But why would two accounts disappear? Confused and worried. I can handle the disputes for the two accounts that are not showing IIB.

Re: Missing Accounts on credit reports?

FireMedic1 — Tue, 20 Nov 2018 01:43:22 GMT

More than likely updating from anyone that was a part of the BK. They have to update their records to the CRA's and add stuff and take away stuff to abide by the BK laws. As you know creditors and such only report once a month. They dont want to pay FICO extra. Should be ok by the nd of Dec. Plus your scores may go up a small tad too. Hope this helps

Re: Missing Accounts on credit reports?

Anonymous — Tue, 20 Nov 2018 13:02:42 GMT

Thank you. I think I'm just impatient and want it all to reflect correctly YESTERDAY!😂
I hope after DC the scores go up. They are currently in the toilet.