Where are the facts, Equifax?!!

[Flamingo]

I am a little upset that Bank of America is showing my itty bitty secured credit card as "included in bankrupcty" when it wasn't. I had a perfect payment record while the account was open. Only a $300 limit. But it was closed immediately upon my filing, because, you know, you aren't allowed to have any credit cards open in a 13. They sent me a nice "Letter of Credit" and a refund of the amount from my security account. And now they are showing it as IIB, which it never was. They aren't even listed as a creditor on my schedules. So how can they report as IIB?

That also happened to us; to correct that, you need to dispute the item with the CRA, copying the creditor, and enclose a copy of your creditor matrix showing that that specific account was not in your bankruptcy. Also enclose a copy of your discharge. Or you can contact the creditor directly and requeset them to change the information on your credit report because they (that account) was not included in your bankruptcy. It may take a while but you will get it resolved. Be forewarned it may revert back to the old information several months down the road...