Several cards reporting positive on my credit report

[aa06a47]

I was reviewing my credit report today to try and understand why my FICO has been climbing pretty steady upward on transunion and experien. I kinda figured my mortgage company was reporting positive, but guess they don't feel someone in Chapter 13 should get a credit rating.

What I found is that Amex, Citi (Home Depot), and Bank of America have within the last 3 months started reporting my account each month as OK. In fact, I have about 5 months of positive trade line with Amex on both Transunion and Experien...nothing on Equifax.

I guess when they find there error, the old scores will drop back to 500 range. I'm still in chapter 13 with no way of getting credit.

[FilingOnMyOwn]

Reporting as current is exactly how they should be. You're paying money into a chapter 13 which is distributed to them. Unless you default on your chapter 13 payments, all IIB accounts should be reporting as current.

[aa06a47]

I didn't think credit card companies report trustee payments. Citi, by the way, failed to file a claim, they just are SOL and are not getting a payment from the trustee.

[FilingOnMyOwn]

I didn't think credit card companies report trustee payments.

They're not reporting the payments. But they should only report the IIB account as non current if you default the chapter 13 plan.