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.
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"
Tu is lower
What are your scores on each CRA and where are they from?
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.
Experian is Fico 8
Have you been discharged yet? Do you have anything positive reporting?