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I finally checked my FICO report and there are two CC that were included in our BK that are showing as bad debt and accounts closed, but it doesn't show as included in BK. Because the accounts are closed does it matter if it doesn't show as included in the BK? The balances ar3e $0 and it states accounts closed.
score wise, probably not
Thanks. I will dispute it and see if I can have it changed to include the BK.