Discover customer service department is okay with me. I filed bk on 4/4/17 and when I filed I didn't include Discover in my bankruptcy because I didn't have a balance at the time but the account was closed because I filed bk. I filed pro se, & I honestly didn't know at the time that I was supposed to include accounts without a balance when filing. The account status is listed as IIB on my reports even though it wasn't actually included in my bk.
So last week I called Discover to ask if I was okay to reapply for a new card since it has been almost 2 years. The representative said yes I am & he also told me I can sent a letter asking for the IIB status to be changed to read 'account closed by creditor'. I didn't have a pen & paper to write the address down at that time so I call back today and I spoke to a wonderful representative who submitted my request to the credit bureaus over the phone. She said it will take up to 30 days for my credit reports to update but it will only take a week to update in their system.
So within 30 days the account status will read 'Account closed by creditor' which will remove the negative account status from my reports & will remain in the positive status for 10 years. I just wished I would have called sooner but I'm happy.
Thats great. Let us know what happens. That would be a great data point. Did you apply and get approved?
Thank you. No, I haven't reapplied yet I'm waiting until my utilization updates. I'm at 31% right now...I should be at 5% once my reports update. I will definitely keep you updated.
@kiea wrote:
Thank you. No, I haven't reapplied yet I'm waiting until my utilization updates. I'm at 31% right now...I should be at 5% once my reports update. I will definitely keep you updated.
Good thinking on the util. Could lead to a higher SL and lower APR. Good Luck!
Thank you
That is weird. My credit reports were updated but it is still incorrect...Experian is showing the account as open with the original credit limit. Equifax is showing it as a closed account and Transunion deleted the account all together.
My reports were updated but I'm still having an issue with getting the prequalifier on their website to approve me. Every time I try it says i can't get approved because of a previous account so they haven't updated the information in their system they just updated my reports.
The first time I called I spoke to someone in the Bankruptcy department and I was told to write a letter explaining the situation. I didn't have a pen and paper then so I called back and spoke to someone in the customer service department. She told me I didn't have to write a letter and she can put in a request to update my reports. I was never told the information couldn't be updated.
What department are you calling?
My reports were updated but I'm still having an issue with getting the prequalifier on their website to approve me. Every time I try it says i can't get approved because of a previous account so they haven't updated the information in their system they just updated my reports.
The first time I called I spoke to someone in the Bankruptcy department and I was told to write a letter explaining the situation. I didn't have a pen and paper then so I called back and spoke to someone in the customer service department. She told me I didn't have to write a letter and she can put in a request to update my reports. I was never told the information couldn't be updated.
What department are you calling?
You're welcome. I have seen a few posts on this forum from people who were able to get approved after 2 1/2 post discharge. I plan on trying again at the end of the year.
Good luck to you
Good luck to you