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Posted

Hi All, 

 

Like the title says. EX has deleted my ch13 BK, leaving 3 of the negative TL's from AMEX that went from "IIB" to back to their previous status listing them as "CO" and showing a few 30, 60, 90 day lates. They are a year and a half from dropping off naturally, but obviously getting these taken off early would be ideal. My question is. Would it be a wise move.. or dumb to dispute these as previously discharged in BK therefore shouldn't be reporting any balances etc? Just don't want this to rock the boat and risk them looking in to the BK and that possibly coming back or reinserted since it's still within reporting timelines? Or should I find inaccuracies with the way they are currently reporting, and go from there. 

 

Thanks!


Posted

Disputing as IIB will just get them updated to IIB. No advantage there and never a good idea to admit the BK to them.

 

You can try disputing various technicalities that are incorrect (i.e. Jack Attack method), and they will probably just update them to IIB anyway.

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