Which one of these notations do more harm on a CR? I had a CH. 7 discharged in October, and some accounts report as "inlcuded in bankruptcy," while others say "Paid Charge off - zero balance." At one point, some of the charge off accounts had a balance, and I understand that was bringing down my score. Is it better to leave them alone if they say "paid charge off?" I am disputing all my negatives as not mine. Had some success with getting 3 acounts(1 being the BK filing) removed from my CR. My next dipsute on these accounts will be that they are reporting incorrectly. Any thoughts?
I just picked up my mail from yesterday, and in it was a verification letter from EQ about 2 FUSA accounts. I included these in my bankrutpcy, and they were being reported as charged off with balances. The verification letter says that "EQ has verified that this account has been paid in full." Is it better to have the "charge off, paid in full" designation, or should I get these switched to report as "included in bankruptcy?" On a side note, you will notice my EQ score from Nov 1st after receiving my discharge in october. My score on EQ as of 1/1/04 is now 621. That jump, I assume, is due to the deletion of 2 accounts that were reported as IIB, and the deletion of one of my BK filings.(the most recent one)
Had one of mine changed from bk to paid in full after a dispute. Now shows as a positive on 1 of my reports, negative to a positive = pts. It was deleted on the other two reports. Took 3 weeks to see the difference.
Do a search anything included in bk should not show a balance .. simply included in bk, With all zero balances. seems less hurtful than charge-off which takes additional major points away. My cell phone company was showing as a charge.. refused to report correctly, threatened to sue. Said they did not care, quietly disappeared from all 3 reports a month later. Still 4 years later only half way their with scores in the low 600's. Need to get serious again
