Been a little over 1 month since discharge, looked at Equifax, and it shows an account that I know was included in the BK as "Paid and Closed". Is that a good thing, sounds OK to me as that was the biggest CC in the BK
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Is the date stating it was paid and closed the date of your discharge?Filed 11/17/11 Chapter 13, 341 meeting 12/21/11. Plan confirmed 1/19/12 - DISCHARGED 12/16/15
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No Date, only last activity 2003, were paying on it without using for a few years, that's why the lack of activityComment
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Probably just hasn't been updated
But there is nothing wrong with the Paid and Closed entry...that is better than the IIB entry.
So, nothing to fret about.Comment
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I would take a "Paid and Closed" account with $0 balance and no lates "any day" over an IIB account!Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
Status: (Auto) Discharged and Closed! 5/10
Visit My BKForum Blog: justbroke's Blog
Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.Comment
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Haha...Count me in on that one!Originally posted by justbroke View Post
BTW, I had about 20 derogatory IIB-accounts when I filed and one of these accounts actually turned from "derogatory" to "positive" after discharge - and not just by the definition of some third-party monitoring service. It was directly with the credit-bureau (I think it was TU who separate derogatory and positive). But again, it was only 1 out of 20 so it didn't make much of a difference..Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.Comment
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