Mortgage that was IIB?

fuzzybean · ‎10-13-2012

Should a mortgage IIB be showing under negative accounts with the payment history (full of lates) showing on a CR? I cleaned up my CR. Working on hubby's now. I understand it being under negative accounts, but I thought if something was IIB the payments weren't supposed to show.

chasmith · ‎10-14-2012

Late payments before the BK was filed can remain, and the loan should be marked IIB. There shouldn't be late payments showing after the BK filing.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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fuzzybean · ‎10-14-2012

I think I understand it now. Thank you.