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question about Accounts included in BK

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Valued Member

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?

 

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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
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Member

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.

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New Contributor

Re: question about Accounts included in BK


@momof3inva 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
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