For those that dont think IIB's make a difference they do! Any account with a negative comment like BK/lates affects your score. I had 6 left on all my reports, got EE on TU a few months back with a huge score increase. Today was EXP turn....I called, EE granted on all 6 ! The ONLY negative thing I have is the BK in PR, and That has 4 1/2 more years till fall off. All accounts reporting are positive.
The only thing that changed in my reports is all the negative accounts are gone except for the BK/ PR. I still have upmteen INQ/New accts. Ive been at 662 steady for a year now with NO changes on EX. Today after deletions.......687! Ive been in the garden for 1 month now, and trying hard to make it for 1 yr, and to let my INQ fall off and age, as they are CRAY CRAY!! 
In a couple months, EQ will be next and last, and Im anticipating at least a 20pt jump on them as well. Then it will be all be downhill from there, with gardening/aging etc,,, till my BK falls off in 2023.
Fantabulous!!
That's an AWESOME milestone!! Good for YOU!!
That's great news Pizza! Don't jump the garden fence now
@Anonymous wrote:That's great news Pizza! Don't jump the garden fence now
lol..heck no. This year is alot of changes happening for me on all my reports. Pretty much every month or two from now until end of year, I have INQ aging completely off, INQ aging to 1 yr old where they dont count against score anymore, New accts aging to 1-2 yrs. Mix that in with some garden time, and by end of year hopefully my EX score will see 700. I probably wont really see the bigger effect on EX till next year though.
Hey congrats!
Don't think we said they didn't matter, think what I said explicitly was if you have six on there getting one removed is /shrug, but in your case getting all removed, well done my friend!
From a data pespective did these accounts just have the IIB tag and were otherwise positive, or were there lates on them as well?
@Revelate wrote:Hey congrats!
Don't think we said they didn't matter, think what I said explicitly was if you have six on there getting one removed is /shrug, but in your case getting all removed, well done my friend!
From a data pespective did these accounts just have the IIB tag and were otherwise positive, or were there lates on them as well?
@Revelate...Thanks! 
EX had removed all payment history from the IIB's, so the only thing negative on the accts was the notation of "debt included in Chapter7 Bankruptcy" in the "account history" section, and also under "status".
OP, Great update.
Pardon my ignorance but what is IIB? Also with the negative comments are you referring to the text they have in the ‘comment’ section of the report of the payment status? What was the reason or manner in which you disputed this with the CBS?
Thanks
Pardon my ignorance but what is IIB? Also with the negative comments are you referring to the text they have in the ‘comment’ section of the report of the payment status? What was the reason or manner in which you disputed this with the CBS?
Thanks
