Hello all. I am just starting this process of trying to clean up my credit report a little bit.
I had two old accounts that were open but paid off and zero balances at the time of my BK filing. After reviewing my credit report I found that I had 3 WFNNB accounts that were open with zero balances at the time of the BK. Two (Victorias Secret & JCrew) somehow got lumped in as "IIB" even though they were paid off. A third (Express) remained open for 6 months post BK - was not listed as "IIB".
Obviously there is a problem here. None of the accounts were included in my petition for starters. And how can one of three accounts be showing as "Closed my issuer" but two others same situation - be listed as IIB?
I called and spoke to a lovely woman who told me this happens all the time and to send a letter asking for them to review the situation.
what can I hope for? Anyone else have any exp with this? I am really hoping that at a minimum WFNNB changes the two TL's back to Paid as Agreed - closed by issuer. But how likely is it they will reopen the accounts and let me build my credit again? The aging of the VSC card would really really help the cause...
The VSC is over 15 years old. Always perfect prior to this eff up.
BK discharged 7/2010 -
TU 624 8/2010 TU 675 6/2015
EX 664 7/2011 EX???
40 pt climb in 1 year with 3 positive TLs (school loan, auto loan & 1 credit card)