@ocheosa BK7 was discharged back in March 2018. This account was not included in BK7.. it had a zero balance at the time I filed back then and remained open and in good standing until two weeks ago. This bank just reported a recent BK, due to an error on the banks part, and ruined my scores and closed my account. They have corrected the error and the account is now open again and back in good standing. I have not filed for BK again this was a error on their part they apologized and corrected the error.
@Jeffster1 my bk7 is still reporting from 2018. This post is about my oldest card reporting that my account was included and closed as of July of this year. It was not now or ever included. My scores tanked and the account was closed last month due to their error.
When I contacted them they said it was due to a NEW bk7 reporting and that the account was included in this NEW BK7. It was not and I have NOT filed for bk7 again. After realizing the mistake they apologized and corrected the error. The account is open again and reporting has been corrected and my scores have been restored to what they were before they incorrectly reported this account closed and included in a new trade line bk7. With their reporting they made it appear that a new trade line was reporting a new bk7 recently filed.... when that was never true.The account should have never been closed due to a new bk7 as their system and representatives were telling me was the reason for the closure.
I hope this clears this up sorry for any confusion I probably should have labeled this post differently. it was super confusing for me as well and I spent hours trying to get this mess corrected. I'm just grateful they fixed the reporting so quickly because disputing was of no help on this.
The account is reopened and reported as opened now and payment history on the account is restored and the included in bk7 notes on the account have been correctly removed and my scores are back to normal.
