Negative Accounts from Bankruptcy

[Anonymous]

I have (7) accounts previously included in a Ch 7. These accounts are showing as "Discharged in Bankruptcy" if you go into the details of the account. However, they show as pay as agreed on the report -some with balances. Would it be worth it to dispute these so they reflect "closed?" I am wondering if they are having an effect on my scores. Equifax and FICO both report them as negative items.

[scrubs]

its reporting correctly. the detail just show the history of the account.

[chasmith]

An item reported as IIB is a negative tradeline, even if it was paid as agreed until filing the BK.  Past negatives (30/60/90 etc) can continue to show if they occurred prior to discharge (some will say prior to filing but I have had no luck with a couple of TLs reporting thus up to the discharge month).

The current balance should be zero, and the status date no later than discharge.  I have disputed non-zero balances, and also had problems wit two or three creditors who kept reporting monthly after discharge.  Reporting with a status date after discharge with an IIB is deadly to your score.