Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do: (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.

Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Bill Me Later changing to Comenity - will they start reporting?

  • Filter
  • Time
  • Show
Clear All
new posts

  • Bill Me Later changing to Comenity - will they start reporting?

    I recently received an email from Bill Me Later about how they were changing their lender from WebBank to Comenity Capital Bank. I'm sure there are a lot of people who count on their Bill Me Later account being a "hidden tradeline," but I think there's a possibility that they may start reporting to credit bureaus, so people's Bill Me Later balances may show up on their credit reports soon.

    On another forum, a poster said they called Bill Me Later and the customer service representative said that Bill Me Later still wouldn't report to the credit bureaus. But then another poster said they called both Bill Me Later and Comenity, and although the Bill Me Later customer service rep did say they wouldn't be reporting, the Comenity customer service rep said they would be reporting "roughly 30 days after the effective date."

    So who knows which customer service rep was correct, but I wouldn't be surprised if everyone's Bill Me Later accounts start showing up on their credit reports. If that's going to happen, it would be nice if Bill Me Later/Comenity sent letters to people specifically stating that the account would no longer be hidden, since they must know a lot of people count on it being hidden. (I'm not saying they're required to do that, but it would be nice if they did, because if they do start reporting, a lot of people are going to be surprised and upset when they find out their hidden tradeline is now being reported.) Of course, it's possible the Bill Me Later customer service reps were correct, and they won't report to the credit bureaus.

    In the email I received, there was a link to Comenity's privacy policy, but in terms of referencing credit bureau reporting, it basically just said they "may" share personal information with "Credit bureaus and collection agencies to report account information, as permitted by law."

  • #2
    I should clarify, the "effective date" (in the "30 days after the effective date" quote from the customer service rep) probably refers to the date WebBank switched to Comenity, which I believe was August 29.

    I'm not exactly sure how Bill Me Later would show on a credit report, because there isn't really an actual "set in stone" credit limit. If you try to use it and it allows you to go over your current limit, they may or may not increase your credit line and allow the purchase to go through. So, for example, if your limit is $50 and you make a $100 purchase and it allows the purchase to go through, and you don't pay off the balance and then a finance charge is added, is that going to show on a credit report as being over the limit? I really don't know how Bill Me Later could be reported fairly on a credit report, because many people used it with the assumption it wouldn't be reported. A lot of people probably wouldn't have used it, had they known it would be reported eventually. I'm pretty sure it even says something on the Bill Me Later site about it not having an effect on your credit, unless that only referred to there being no hard inquiries when you make a purchase over the limit and they increase your credit line.


    Unconfigured Ad Widget