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Is This IIB Account Reporting Correctly?

NewBeginningsNW
Valued Member

Is This IIB Account Reporting Correctly?

Was looking at Experian and noticed this old Kohls account is showing all the lates. I filed 8/2019 and was discharged 11/2019. This account originally went deliquent/charged off in the summer of 2016. 

 

Shouldn't they not be reporting all the months history when the account is IIB? Experian is saying I have a recent late payment but I don't have any lates since my rebuild. Not sure if it is because of this. Not sure if I should be disputing this. Any advice would be greatly appreciated!

 

Screenshot_20210512-134226_Experian.jpg

 

Screenshot_20210512-134248_Experian.jpg

 

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1 REPLY 1
kr43002
Frequent Contributor

Re: Is This IIB Account Reporting Correctly?

bankruptcy only stops further delinquent to be reported from file date and makes the debt non-pursuable. It doesn’t stop creditors from reporting the account correctly upto filing.
BK7 DC 5/21
5 Month Post DC
Gardening Since: Im bad at that...
Current Fico: 623 EX 11/3/21
Goal Fico: 690 8/22
Total Credit Line $1700

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