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Hello-
Thanks for all the great input.
I was discharged BK7 in Oct 2018.
All my accounts were IIB, and state as such.
For my new accounts since filing/discharge, Ive paid down/off any new balances, never missing payments.
My concern: I see in all 3 credit bureaus the notation of
"# accounts ever late" yet I do not see any "late 30,60 days" in any of the tradelines from items IIB. And the "#" never equates the tradelines included in BK7. There is only one account IIB that actually describes that I was once late 30 days.
My concern is that the statement of accounts ever late is harming my scores, yet I don't see anything I can challenge/dispute to get that number changed by the credit bureaus.
Thanks for replies.
All IIBs are considered CO and late...
@gdale6 wrote:All IIBs are considered CO and late...
In addition, that statement in itself doesn't hurt your scores. That's just credit monitoring "fluff" and is for your own information only. Creditors won't see that statement, but they can of course see all the accounts included in BK.