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Reporting as a CO when it was IIB

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madmann26
Valued Contributor

Reporting as a CO when it was IIB

So, I've been combing through my reports to ensuring things are look right, looking good and I come across an item on EXP that is reporting as a CO, when it was IIB and EQ/TU are reporting it as IIB. I did dispute it but I guess I'm wondering if I should have?

 

I guess what mifs me is that it only started reporting as a CO in 2021.

 

2023-03-18 15_33_22-2023-03-17 13_05_35-FICO Score 3B Report - Items to Review.png - Greenshot image.png

Current FICO 9 Scores



Message 1 of 8
7 REPLIES 7
FireMedic1
Community Leader
Mega Contributor

Re: Reporting as a CO when it was IIB

Its an accounting thing. Wage earner is the same as IIB with a 13. Other Derog probably is the IIB. Still doesnt rank over the BK.


Message 2 of 8
TRC_WA
Senior Contributor

Re: Reporting as a CO when it was IIB

EX doesn't look right.  None of mine look like that.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 3 of 8
madmann26
Valued Contributor

Re: Reporting as a CO when it was IIB


@TRC_WA wrote:

EX doesn't look right.  None of mine look like that.


Yea, it should be IIB and no payment history like everything else.

 

It's odd that it started in 2021, when my OG file year is 2017.

 

Probably a moot point anyway. The account comes off in 2/2024.

Current FICO 9 Scores



Message 4 of 8
FireMedic1
Community Leader
Mega Contributor

Re: Reporting as a CO when it was IIB

You can dispute the balance. Should be $0 due to BK. Send in your filing papers and a copy of what you posted with a letter to remove the balance. Send it certified. Didnt notice the balance reporting. Thats against BK laws.


Message 5 of 8
jdmc1973
Established Member

Re: Reporting as a CO when it was IIB

I have a similar issue for one of my accounts IIB CH13 but on Equifax.  I filed 03/2017, discharged 1/2019, and yet TD Bank/Target reports date of major delinquency reported as 02/2022, making it look like I had a recent negative.  I just disputed it so we'll see how it turns out. Should be coming off in less than a year anyway but that bugged me enough to dispute it now.

Message 6 of 8
madmann26
Valued Contributor

Re: Reporting as a CO when it was IIB

Updated:

 

Experian fixed it. It now reports as IIB (never late), $0 balance and the CO history is gone with the last activity in 2017.

 

2023-03-30 08_17_22-Experian.png

Current FICO 9 Scores



Message 7 of 8
FireMedic1
Community Leader
Mega Contributor

Re: Reporting as a CO when it was IIB


@madmann26 wrote:

Updated:

 

Experian fixed it. It now reports as IIB (never late), $0 balance and the CO history is gone with the last activity in 2017.

 

2023-03-30 08_17_22-Experian.png


ZCongrats @madmann26 


Message 8 of 8
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