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Reporting After BK

Discussion in 'Credit Talk' started by Desdemona, Apr 4, 2011.

  1. Apr 4, 2011 #1
    Desdemona

    Desdemona Well-Known Member

    Hello All

    It's been years since I'll been here and due to divorce, lack of child support (ex unemployed for over 27 months) I watch my debt to income rocket. In November I filed a pro se BK, discharged 3.2011 - just awaiting my close - my tax refund made me an asset case. :(

    As I am waiting the close I am cleaning up my reports. My discharge was reporting within one week, and almost all of my cc already show status Debt included in or discharged through Brankruptcy Chapter 7, 11, or 12 with zero balances.

    But I have some question about prior two year history, both EQ and TU removed all history but EX is report full two history for all the cards. Which of course because you are required to stop paying cc a min of 90 days prior to BK this shows "recent" negative activity.

    Can EX report the full two year history - when EQ and TU removed it?

    Also if under payment status - some of the accounts are list as C/O not IIB - it's like hit or miss with accounts. Example I had two Providian - purchased by Chase one show IIB the other is listed as C/O.

    I guess I want don't want to go back in to debt sending CRRRM if I am wrong.

    Any help would be great.
     
  3. Apr 5, 2011 #2
    JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Welcome back- sorry to hear about all the problems you've been having lately, but I hope you can at least find some help and support here.

    Anyway, the discharged debt has to be reported with a zero balance, but I believe they can continue to report the history including any delinquencies. Of course, there's nothing stopping Equifax from reporting in a different manner than EQ and TU as well.

    All of the accounts should be listed as IIB, included in BK with a zero balance. If they're not, I would dispute them through each of the CRAs.
     
  4. Apr 5, 2011 #3
    Desdemona

    Desdemona Well-Known Member

    Hi Josh
    Thanks so much â?? not what I wanted to hear but thanks.

    I just find it funny that EQ and TU removed all 2 year history status for all accounts IIB â?? but EX did not. I reviewed my EX again last night and I see that all accounts but one has discharged in BK under payment status.

    Well I am going to try to get them removed â?? I filed ultimately in hopes of purchasing a home. I have been renting since I left my marriage in 2008 and with FHA guidelines of a 2 year post BK I have time.

    Thanks
     

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