@jim44 wrote:
Checked out my credit report on Creditkarma today and noticed that Paypal credit is now being reported to all 3 bureaus. I have been with Bill me Later since 2005. Since that time it's gone from ? to Web Bank to Comenity and lastly to Synchrony. Of course it's only reporting payment history since Synchrony took over. This was the only account I had that made it through my CH7. I've used it extensively on eBay for large purchases not only for the "no interest" feature but also because of the fact of whatever I charged didn't affect my total utilization. Guess the party is over.
You were lucky that it was not somehow discovered during the chapter 7, the existence of the debt would have given the lenders who were discharged legal standing to challenge the discharge of their debt. Unless you are saying that it had a 0 balance when filed but the revolving credit line just was not closed. If there was a balance owed when filed, not including it as debt was very risky. If it had a zero balance then there would not be the existing debt to require a letter to them as a creditor.
TU fico08=824 06/16/24
EX fico08=815 06/16/24
EQ fico09=809 06/16/24
EX fico09=799 06/16/24
EQ fico bankcard08=838 06/16/24
TU Fico Bankcard 08=847 06/16/24
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
