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those a/c with 0 bal due to inclusion in BK, will be removed from the date u files BK or from original DOLA?
Not to hi-jack your thread, but I have a question that may also help OP. Are CRA's required to remove all baddies? I am going ~CRAZY~ dealing with these last 3 accounts that are seriously affecting my scored!
Thanks so much and op, hope I didn't offend jumping in.
@Anonymous wrote:Not to hi-jack your thread, but I have a question that may also help OP. Are CRA's required to remove all baddies? I am going ~CRAZY~ dealing with these last 3 accounts that are seriously affecting my scored!
Thanks so much and op, hope I didn't offend jumping in.
They can report anything that happened before you filed BK so if it was charged off, they can report that. However the balance should be 0. All IIB accounts are still listed as baddies until they fall off, which should be from DOFD. Some CRAs (TU) will remove collections that were IIB if you dispute as "no longer liable".