cancel
Showing results for 
Search instead for 
Did you mean: 

question about Accounts included in BK

tag
Anonymous
Not applicable

question about Accounts included in BK

those a/c with 0 bal due to inclusion in BK, will be removed from the date u files BK or from original DOLA?

 

Message 1 of 4
3 REPLIES 3
jennordy
New Contributor

Re: question about Accounts included in BK

They should be removed from the original DOFD.  A lot of my accounts have already fallen off and most weren't due to fall off until 2011.  I did have one account "re-age" itself to the date of the BK, but I am currently disputing it.
FICO® 8 Scores: 10/16: TU 592 -- EQ 579 -- EX 573; 11/16: TU 626 -- EQ 614 -- EX 605; 12/16: TU 606 -- EQ 589 -- EX 594
FICO® Mortgage Scores: 10/16: TU 588 -- EQ 567 -- EX 566
10/16: Negatives: 10 charge-offs; 7 collections (one "closed"); 1 Ch. 7 BK (filed 12/2008)
Positives: 2 Cap1s; Nordstrom; 4 Comenity store cards; Amazon store card, Care Credit, 76 gas card, and F21 Visa; 2 student loans
Message 2 of 4
Anonymous
Not applicable

Re: question about Accounts included in BK

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.

Message 3 of 4
jennordy
New Contributor

Re: question about Accounts included in BK


@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".
FICO® 8 Scores: 10/16: TU 592 -- EQ 579 -- EX 573; 11/16: TU 626 -- EQ 614 -- EX 605; 12/16: TU 606 -- EQ 589 -- EX 594
FICO® Mortgage Scores: 10/16: TU 588 -- EQ 567 -- EX 566
10/16: Negatives: 10 charge-offs; 7 collections (one "closed"); 1 Ch. 7 BK (filed 12/2008)
Positives: 2 Cap1s; Nordstrom; 4 Comenity store cards; Amazon store card, Care Credit, 76 gas card, and F21 Visa; 2 student loans
Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.