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

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Senior Contributor

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.

 

 

Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
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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
755 EQ FICO 12/2019
750 TU FICO 12/2019
743 EX FICO 12/2019
$25k NFCU Platinum | $30k 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
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Senior Contributor

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

 

Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
Message 3 of 5
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Super Contributor

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


@Bella007 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
755 EQ FICO 12/2019
750 TU FICO 12/2019
743 EX FICO 12/2019
$25k NFCU Platinum | $30k 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 4 of 5
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Senior Contributor

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?

Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
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