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CO or IIB, which is the lesser of the 2 evils.

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jackg
Established Contributor
‎11-27-2007 10:25 AM
‎11-27-2007 10:25 AM

CO or IIB, which is the lesser of the 2 evils.

I recently disputed a few accounts that were discharged in my CH 7 BK, just firing for effect. Anyway, I just noticed that the status changed from "IIB" to "Chared off".
 
What should I do? My gut instinct is that I should have them reporting as IIB. Any suggestions?
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)

EX=738
EQ=735
TU=754

FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739
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Anonymous
Not applicable
‎11-27-2007 05:21 PM
‎11-27-2007 05:21 PM

Re: CO or IIB, which is the lesser of the 2 evils.

If they were included in your bk, then definitely IIB and NOT Charged off.   IIB is alot better.  Should show IIB, zero balance and zero past due.......if not, dispute it.
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Anonymous
Not applicable
‎11-27-2007 06:33 PM
‎11-27-2007 06:33 PM

Re: CO or IIB, which is the lesser of the 2 evils.

Score wise- they are treated the same -
Get it changed back to IIB -
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