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120 point drop.. Charge Offs to IIB

1_Christian
Member

120 point drop.. Charge Offs to IIB

I filed Chapter 13 on November 30, 2017.  I pulled my credit report December  29, 2017. Scores were Equifax 605, Transunion 580 and Experian 560. Most of my tradelines were reflected as IIB, there were a few that either reflected IIB with a dollar amount or did not have IIB with a balance. I began the disputing process and my scores tanked. I guess my question would be, if most of my tradelines reflected IIB why would it take a major dip disputing those that did not. My current scores as of Feb 16th are as follows: Equifax 609, Transunion, 460 and Experian 470. I've compared all reports and the major difference is that Equifax doesn't show a public record, only a lien, however have removed all tradelines that were IIB, Transunion and Experian are not showing much of a difference. 
 
Any feedback would be great, thanks! 
Message 1 of 3
2 REPLIES 2
Scupra
Super Contributor

Re: 120 point drop.. Charge Offs to IIB

Can I first ask where you are getting your scores from?
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
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Message 2 of 3
1_Christian
Member

Re: 120 point drop.. Charge Offs to IIB

Sure, Total Credit Check.
Message 3 of 3
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