posted in BK forum but its pretty silent over there ---
So I am about a year from having my BK accounts all drop, so I am not sure if I should wake the beast at this point, but I am trying to jump ahead if I can.
On my EQ report, many years ago I disputed some BK stuff and had a few of my accounts go from IIB to N/A status. If I look at my EQ report through EQ Complete, the accounts don't show on the "negative information", they just show as a closed revolving or installment account with a status of "N/A".
If I look at the details for one of the accounts (BofA CC) it shows a good payment history from when I got the card to 6 months after filing, but again status is just N/A. Should I worry about these accounts? Its BofA CC, Discover, PayPal Smart Connect, Dell CC, and Wells Fargo Auto.
(PayPal is actually showing good payment history for all of 2007-2009 when the card was BK'd in 2006).
I do have 4 accounts that do show IIB, but most of the data is gone - so I am not sure if there is anything there I can dispute to try and get them removed. When it looks like everything has already been blanked out other than open/close dates, is there any other way to get it off other than dispute as "not mine"? I thought I read somewhere that if you dispute a BK account, they may try to validate everything that was part of the BK and I would worry that some of those N/A accounts get marked BK again.
Again most of it should drop in June/July of 2013, so not sure if its worth messing with it now. Thoughts?? (correction - its 4 that are showing IIB, not 3)