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Dispute aged accounts IIB??

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Established Member

Dispute aged accounts IIB??

I have several older accounts IIB that help with my AAoA but contain inaccuracies.  I disputed one and got a delete but it dropped my TU three points.  The other accounts are 7 - 10 yrs olds and will drop in 2019 (about the same time as my discharge).  Should I continue scrubbing my reports (and forget the temporary point losses) as my discharge approaches?

Message 1 of 9
8 REPLIES
Valued Contributor

Re: Dispute aged accounts IIB??

That's a personal choice and is really up to you. It comes down to whether the point dropped hurts more now or if you can wait until they drop off. 

Gardening until June 2019

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 697, EQ 672, TU 700 (06/18/18)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 2 of 9
Community Leader
Super Contributor

Re: Dispute aged accounts IIB??


Yeliaba wrote:

I have several older accounts IIB that help with my AAoA but contain inaccuracies.  I disputed one and got a delete but it dropped my TU three points.  The other accounts are 7 - 10 yrs olds and will drop in 2019 (about the same time as my discharge).  Should I continue scrubbing my reports (and forget the temporary point losses) as my discharge approaches?


I would say it depends on whether you anticipate having any major credit needs coming up before the BK drops. Are you wanting to purchase a house? Will you be needing to replace your car? If so, leave them on there for the points you are getting from them.

Most Recent FICO 8 Scores EX616/TU587/EQ607 01/09/2018 Starting scores 553/485/543 08/25//2017
~~~Credit lines~~~~
SDFCU VISA Secured $250
Discover Secured $200
Message 3 of 9
Established Member

Re: Dispute aged accounts IIB??

Thanks!! I couldn’t determine if I’ d get a better bump from removing them.

Message 4 of 9
Community Leader
Super Contributor

Re: Dispute aged accounts IIB??

Me personally....Id leave them! I have 6 acts IIB reporting negatively on my reports due the negative wording of "IIB". Im not disputing any of that...those acts even though negative, are from 1999/2000. Same here...they drop in 2019. Im keeping mine, they are helping my AAOA/AHOA. lol. Smiley Wink
(BK7 d/c-08/2013/FICO-400's) ~ Current scores....Your guess is as good as mine! ???
Scores being held down by tons of INQ/New acts Smiley Wink
Message 5 of 9
Established Member

Re: Dispute aged accounts IIB??

Yeah!!  I guess I’ll leave them alone.

Message 6 of 9
Valued Contributor

Re: Dispute aged accounts IIB??

Hi Pizza.   What is AHOA, please?

FICO 08: EX-698, EQ-732, TU-706 - [5/13/2018]
FICO 09: EX-748, EQ-763, TU-750 (5/13/2018)
Mortgage: EX-736, EQ-705, TU-750 - [5/13/2018]
NFCU NavChk 15K | NFCU Visa 6.99% 31.5K | CapOne Venture Visa 50K | Barclay Aviator MC 9.5K | Discover It 24.4K | Alliant 3% Cash Back Visa 25K | Penfed Promise 20.5K | BECU Visa 10K | BECU CLOC 10K | DCU Visa 10K | BofA AK Air Visa 5K | Citibank secured 1K | Amazon Prime 10K
221.9K Total Revolving.
Share Secure Loan Alliant $100 Balance/$15,000
BK 7 Filed 8/23/2013 - Discharged 11/27/2013.
Message 7 of 9
Established Contributor

Re: Dispute aged accounts IIB??

I think they meant AoOA, Age of Oldest Account.

EX660 TU 656 EQ 668
Cap1 QS-$4,500 Chase Freedom Visa- $800 Chase Freedom Unlimited- $500 Victoria's Secret- $2000 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $750 Chase Sapphire Preferred-$5,000 NFCU CashRewards $10,000 AMEX BCE-$1,000
Auto Loan Opened 2-5-16 $1146/$5500
Message 8 of 9
Valued Contributor

Re: Dispute aged accounts IIB??


CH-7-Rebuilding wrote:

Hi Pizza.   What is AHOA, please?


Helpful list of common abbreviations: http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458

Gardening until June 2019

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 697, EQ 672, TU 700 (06/18/18)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 9 of 9