cancel
Showing results for 
Search instead for 
Did you mean: 

BK Tradelines Showing Paid/Paying as Agreed on TU?-UPDATE

tag
Anonymous
Not applicable

BK Tradelines Showing Paid/Paying as Agreed on TU?-UPDATE

 

 

Hi, I thought all my tradelines included in BK were reporting correctly, but just saw on my TU report that 4 tradelines are notated "Current; Paid or Paying as Agreed" for the Pay Status which, for all my other BK tradelines is showing as >Account included in Bankruptcy<  These 4 tradelines are all showing "OK" payment history as of last month, the only months that have "NR" for not reporting are the months that my BK case was open.

 

My TU score is 20-30 points lower than EQ/EX, so could this have anything to do with it? Any help is appreciated! Smiley Happy I can provide snips of what's showing on TU, if necessary.

 

 

Message 1 of 5
4 REPLIES 4
Scupra
Super Contributor

Re: BK Tradelines Showing Paid/Paying as Agreed on TU?

What type of accounts are these?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 2 of 5
Anonymous
Not applicable

Re: BK Tradelines Showing Paid/Paying as Agreed on TU?

Amex Dept Stores (Macys)

DSNB/Macys x2 (didn't know they were both still open prior to BK)

Sears/CBNA

 

Message 3 of 5
Scupra
Super Contributor

Re: BK Tradelines Showing Paid/Paying as Agreed on TU?


@Anonymous wrote:

Amex Dept Stores (Macys)

DSNB/Macys x2 (didn't know they were both still open prior to BK)

Sears/CBNA

 


My cap1 card that was open with a $0 balance reports this way. Now it shows, "Account closed by credit grantor" in the remarks section, but still says "Pays account as agreed"

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 4 of 5
Anonymous
Not applicable

Re: BK Tradelines Showing Paid/Paying as Agreed on TU?-UPDATE

UPDATE:

 

I submitted a dispute to TU for the tradelines that were reporting incorrectly on TU. Whether I should have or not is up for debate, but what I can tell you is that now 3 of 4 of the tradelines that were included in BK are no longer showing on my TU report. 

 

TU Changes.PNG

 

Only Sears is still showing in my adverse accounts section, and it is now correctly showing IIB instead of Paid or Paying as Agreed. The two Macys accounts that say deleted were definitely open when I filed. I can't help but think this is a good thing for my report and scores. Any thoughts?

Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.