Received Discharge 10/1/13. I pulled all 3 bureau reports in August and again 10/5/13. Experian score dropped significantly. Experian is now showing a RED KD for a number of accounts as well as lates between the filing date and the discharge date; as well as listing them as IIB. I've asked Experian if my score is being affected by IIB as well as lates,in other words double negatives , and they say they don't know. Can anyone explain the score effect of IIB and KD and lates after Filing and Discharge.
