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Are all pre-filing "lates" created equal?

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    Are all pre-filing "lates" created equal?

    I filed with a bunch of real estate in the crapper.
    The only unsecured was a 7k credit card.

    The rentals had lates up to 120 days because of deferments that didn't work out, short sales they wouldn't accept, etc.

    Those lates are now on accounts IIB, but I'm guessing they still count against me.

    So the question is:
    Does a FICO calculation count IIB Real estate lates exactly the same as unsecured/CC lates?

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