Post Ch. 7 “unrated” payment status

[bman86]

I’m about 2 years post discharge on my Ch. 7. I’ve noticed my Transunion FICO score is much lower than my other two scores (approximately 20pts).

Reviewing the accounts IIB I noticed that pretty much all my accounts on Transunion show a payment status of “unrated” and most do not even have a comment of bankruptcy where the same accounts show IIB under payment status.

Could this be hurting my score? I can’t see why else my Transunion score is so much lower.

[FireMedic1]

All accounts no matter what bureau should state IIB and 0 balance. No data or unrated is basically nothing was reported that month. TU was my lowest for 3 years due to less accounts and younger oldest accounts compared to EX and EQ.

Is this what the other CRA's say? They are reporting correctly? "where the same accounts show IIB under payment status".

[bman86]

Correct so for most trade lines they will say IIB under payment status. Except for Transunion, under payment status it says “unrated. “

[FireMedic1]

While an IIB mention in the comments is scored negatively, don't be concerned about "unrated". FICO is indifferent to that. Its a TU thing. I looked all around the site. @Tuscani has some of the most comments on unrated in the past.