why do good accounts state iib when i didnt file on them?

[LADYBUG7788]

i have 2 accounts that were in good standing and after bk now they report iib,,the one i called was fingerhut and i told them i never filed on you guys i always made my payments ontime,,,now get this

she said when i filed on1/2007 automaticly all accounts even good ones have to claim bk even if not included i have never ever heard of this,,,,,IS THIS TRUE???

[granny031350]

generally once a company gets wind that you filed a bk they do indeed close all accounts.  And in some states, even if the account isn't listed in your filing, any account that you had at the time is automatically included anyway.  So yes it is reporting correctly. 

[Anonymous]

Ladybug, I suggest you check with the lawyer who handled your BK and get his advice.

Where I live, and at the time I filed my BK, it was my responsibility to list the creditors I wanted to include; also, if I had credit accounts at a zero balance (paid in full) at the time I filed, they had the option of continuing the account or closing it once they learned of the BK filing. Any creditor that did not respond and file a claim has no recourse against me. There were two businesses reprimanded

by my bankruptcy judge because they failed to file a claim, but then turned the accounts over to the credit bureaus and refused to pull them. **Please note that I filed in September 2005 and the bankruptcy laws changed as of Ocotber 1, 2005.

You can always add a statement to those accounts that were paid in full or on time, or, you can add a general statement to your credit report.

Hope this helps...