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AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION

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Super Contributor

Re: AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION


@Wegmanarts wrote:
Hi Scupra, I am getting them on line. Right now I am getting a ton of comments that contradict. I'm almost ready to throw in the towel

It can seem impossible but there is an end, believe me. Just wanted to make sure you weren't relying on Credit Karma as their updates during a BK seem to be odd.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 11 of 25
Member

Re: AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION

For instance I have every single bankruptcy tradeline on TransUnion has a zero balance and closed and included in bankruptcy and then it has the status of derogatory. I have been informed that the case status of derogatory is not allowed as the trade lines are already included in bankruptcy. TransUnion told me today to screw off that the derogatory status will stay. No derogatory status as described by Experian and Equifax to me has been told that can't be there. I don't know what to do about that. I need a lawyer and how about after filing bankruptcy I've got Capital One changing closed account 2 account closed by credit grantor. I have also been told that is the count is not closed by credit grantor or charged off prior to filing bankruptcy it can't be put into the tradeline after you file bankruptcy. I don't know what to do about this
Message 12 of 25
Super Contributor

Re: AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION

Just know "closed by grantor" is not a derogatory mark, so put that on the back burner. Sometimes it just isn't worth fighting, ya know? Who really cares if it says "closed by grantor" as long as it has a $0 balance and shows IIB.

 

Have you pulled some FICO scores yet? I would be interested in seeing if your TU is lower than the others. My gut is telling me not to worry about the derog status as an "IIB account" is derog. anyway.. There is a lot of great minds here who are willing to help, it just takes patience and time though. One of my favorite credit related quotes is, "Rebuilding is a marathon, not a race" 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 13 of 25
Member

Re: AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION

Tu is lower
Message 14 of 25
Super Contributor

Re: AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION


@Wegmanarts wrote:
Tu is lower

What are your scores on each CRA and where are they from?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 15 of 25
Member

Re: AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION

They come from each respective online product.
Experian 527, Equifax 617, TU 512
Message 16 of 25
Super Contributor

Re: AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION


@Wegmanarts wrote:
They come from each respective online product.
Experian 527, Equifax 617, TU 512

Ok, so I don't think they are FICO scores. I don't remember which CRA's provide an actual FICO. I would highly suggest you look into obtaining some FICO scores.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 17 of 25
Member

Re: AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION

Experian is Fico 8
Message 18 of 25
Super Contributor

Re: AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION


@Wegmanarts wrote:
Experian is Fico 8

Have you been discharged yet? Do you have anything positive reporting?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 19 of 25
Member

Re: AFTER FILING BANKRUPTCY CHAPTER 7, TRADELINE CONFUSION

several positive a few credit cards...i think I am going to buy MyFico program
Message 20 of 25
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