topic Re: Reporting as a CO when it was IIB in Bankruptcy

Reporting as a CO when it was IIB

madmann26 — Sat, 18 Mar 2023 19:36:51 GMT

So, I've been combing through my reports to ensuring things are look right, looking good and I come across an item on EXP that is reporting as a CO, when it was IIB and EQ/TU are reporting it as IIB. I did dispute it but I guess I'm wondering if I should have?

I guess what mifs me is that it only started reporting as a CO in 2021.

Re: Reporting as a CO when it was IIB

FireMedic1 — Sun, 19 Mar 2023 09:49:19 GMT

Its an accounting thing. Wage earner is the same as IIB with a 13. Other Derog probably is the IIB. Still doesnt rank over the BK.

Re: Reporting as a CO when it was IIB

TRC_WA — Sun, 19 Mar 2023 14:28:34 GMT

EX doesn't look right. None of mine look like that.

Re: Reporting as a CO when it was IIB

madmann26 — Sun, 19 Mar 2023 17:28:25 GMT

@TRC_WA wrote:
EX doesn't look right. None of mine look like that.

Yea, it should be IIB and no payment history like everything else.

It's odd that it started in 2021, when my OG file year is 2017.

Probably a moot point anyway. The account comes off in 2/2024.

Re: Reporting as a CO when it was IIB

FireMedic1 — Sun, 19 Mar 2023 20:10:52 GMT

You can dispute the balance. Should be $0 due to BK. Send in your filing papers and a copy of what you posted with a letter to remove the balance. Send it certified. Didnt notice the balance reporting. Thats against BK laws.

Re: Reporting as a CO when it was IIB

jdmc1973 — Wed, 22 Mar 2023 14:38:09 GMT

I have a similar issue for one of my accounts IIB CH13 but on Equifax. I filed 03/2017, discharged 1/2019, and yet TD Bank/Target reports date of major delinquency reported as 02/2022, making it look like I had a recent negative. I just disputed it so we'll see how it turns out. Should be coming off in less than a year anyway but that bugged me enough to dispute it now.

Re: Reporting as a CO when it was IIB

madmann26 — Thu, 30 Mar 2023 12:18:21 GMT

Updated:

Experian fixed it. It now reports as IIB (never late), $0 balance and the CO history is gone with the last activity in 2017.

Re: Reporting as a CO when it was IIB

FireMedic1 — Fri, 31 Mar 2023 10:26:13 GMT

@madmann26 wrote:
Updated:

Experian fixed it. It now reports as IIB (never late), $0 balance and the CO history is gone with the last activity in 2017.

ZCongrats @madmann26