Hello,
Ok so I am unsure if this would actually be considered zombie debt, but can't help but wonder is somehow isn't meant to bite me. I'm hoping I am just being paranoid and it's not sign something else might be around the corner to pop up on my credit.
I am unsure of what to make of this. In Late 2010 I filed Chapter 7. Included was my house mortgages and I let them forclose. I have kept things clean and paid since then. 7 years later all the negatives including the mortgages dropped. I managed to hover 730 ~ 740 scores since.
Couple days ago two of my reports Ex and TU dropped the BK record pushing my FICO to 781, unfortunatly not Eq yet (Here is hoping soon) 
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Recently I started house hunting and applied for a First time home owner mortgage got pre-approved. Today I got notice a tradeline re-appeared on my TU report. I go look and It is ACS one of the servicers for the mortgage that got forclosed on. The thing is, It shows as closed and paid and Last reported Sep 2012 with no payment history and goes back to being opened in 2006. So all it did was add age to my report and push me up to 812 Fico according to Exp 3 buearu.
I have heard of Zombie debt popping up and I am unsure if this would even be considered that. I am unsure if I should do anything, if there is anything I can do, Or if I should just take it and be happy? I'd love some thoughts.
I'd take it and be happy, but keep a close eye to make sure nothing negative starts to report too. That's definitely a nice bump to have there.
as of 1/1/23
