What should show on CR/FICO score - just BK public record, or accounts that were IIB, or both

[grammysue]

I have been reading these forums for awhile but still am confused about what should be showing on the credit report - just the BK alone, or all the accounts that were in the BK plus the BK public record.  That seems like a double whammy.  If that's the case, do I challenge (can't think of right word) every account that has a "red flag"?  I asked lawyer; he was no help.  He's paid, CH7 is discharged, and he's done.  Filed 9/07, discharged 12/07, just pulled all FICO scores, they range from 586 (husband, Equifax) to one of mine 711 (Experian).  How is that possible?  This forum is great.  Now what do I do?

[Anonymous]

The PR will stay for 7 CH13 and 10 years for BK7

The accounts associated with them will remain for 7 years past DOFD

They should all be marked closed, IIB with a zero balance with no lates or derog data after you filed.

You should pull all 3 directly from the CRA's and compare them.

[grammysue]

Timothy, thanks for answer.  We pulled all reports through MYFico, are you saying we should go directly to each CRA and do it again? 

[Anonymous]

IF it has everything you need to compare- stick with the ones from myFICO

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grammysue wrote:

Timothy, thanks for answer.  We pulled all reports through MYFico, are you saying we should go directly to each CRA and do it again? 

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