I had my student loans listed as a part of my BK. They are not discharged, but because they were included, it states on my credit report as Included in Wage Earner Plan.
I also had a couple of other accounts that I included.
Today I pull my True Credit and ALL of my Experian derogatory accounts are GONE!!!
the student loans, the credit card and the car loan that were included.
I now have NO derog accounts on my Experian report, just the listing of the PR and my high utilization.
So has their been a change in reporting rules for BK by the FCRA. I think I read something somewhere but not sure, that the FCRA was saying that all accounts that were IIB had to be listed as IIB?
Just wondering.
Tempted to pull my Experian score again, 
to see if it went up. But with the PR on there still not sure if it all made a difference.
to see if it went up. But with the PR on there still not sure if it all made a difference.
granny031350 wrote:I had my student loans listed as a part of my BK. They are not discharged, but because they were included, it states on my credit report as Included in Wage Earner Plan.I also had a couple of other accounts that I included.Today I pull my True Credit and ALL of my Experian derogatory accounts are GONE!!!the student loans, the credit card and the car loan that were included.I now have NO derog accounts on my Experian report, just the listing of the PR and my high utilization.So has their been a change in reporting rules for BK by the FCRA. I think I read something somewhere but not sure, that the FCRA was saying that all accounts that were IIB had to be listed as IIB?Just wondering.Tempted to pull my Experian score again,
Not sure if this has anything to do with it but as of a few days ago, all my Experian accounts disappeared from Truecredit. I think it's another glitch from the website. Hope your accounts are truly gone! I know mine aren't.