Ok my transunion score is crazy low. So when you review the "explanation" page. You know the one that tells you why your credit score sucks? Or is good. It shows I have had one recent late, that was from a closed account in 2004? It shows balance as zero, current status is 30 days past due, and then balance is zero again..WTH? Also its says I have 17 late payment or worse?
Then my BOA car that I still have and did not reaffirm shows a balance and never late. However under notes, not under status it says Chapter 7. SHould I contest that cuz it looks like its actually helping although im not sure.
Then here comes an issue i think ...Most of My accounts that are included in my bankruptcy show this. I think its hurting my score and they dont late but they have a flag, which means its not on time
Balance: Not reported
Status: Unrated
Past due Amount: Not reported
Under descriptions it says chapter 7
Last but not least a Collection
It was added after I filed, actually a month before discharge. It nowehere says IIB, it should right? And should it be listed as a collection or just a debt?
Then my BOA car that I still have and did not reaffirm shows a balance and never late. However under notes, not under status it says Chapter 7. SHould I contest that cuz it looks like its actually helping although im not sure.
Then here comes an issue i think ...Most of My accounts that are included in my bankruptcy show this. I think its hurting my score and they dont late but they have a flag, which means its not on time
Balance: Not reported
Status: Unrated
Past due Amount: Not reported
Under descriptions it says chapter 7
Last but not least a Collection
It was added after I filed, actually a month before discharge. It nowehere says IIB, it should right? And should it be listed as a collection or just a debt?
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