Reaffirmation and credit scores

[cathywhite4495]

I guess I have 3 questions here. I pulled my reports and scores today for the first time since I filed. My scores only went down by about 30 points. They were 565-625 and are now 534-600. Will they drop more after the discharge or is this the bottom? I was expecting a bigger drop.
Question 2 - I have some accounts that were charged-off but they're being reported as sold or transferred. Should I dispute these to be IIB since they're already reporting a zero balance?
Question 3 - My van is listed as IIB. I'm reaffirming so will it go back to a normal loan status once I'm discharged? If not, will it still help my credit score if they keep reporting me as current?
Thanks!!!

[JollyGG]

I guess I have 3 questions here. I pulled my reports and scores today for the first time since I filed. My scores only went down by about 30 points. They were 565-625 and are now 534-600. Will they drop more after the discharge or is this the bottom? I was expecting a bigger drop.

They probably have fallen as much as they are going to. It will go up again once you are discharged and get everything reporting correctly.

Question 2 - I have some accounts that were charged-off but they're being reported as sold or transferred. Should I dispute these to be IIB since they're already reporting a zero balance?

I'm not sure one the answer to this one. Hopefully someone with more experience in this will come along.

Question 3 - My van is listed as IIB. I'm reaffirming so will it go back to a normal loan status once I'm discharged? If not, will it still help my credit score if they keep reporting me as current?
Thanks!!!

It may or may not change back to normal reporting. I reafirmed my car and the company, Wells Fargo, insists on reporting it IIB. Evidentally, unless you make proper reporting a condition in the reafirmation they don't have to report you current payments. However, if you can get them to report, it will help your credit.

[cathywhite4495]

Thanks for the response - I was worried that I had put out a stumper!
I wish I had the money to get a beater right now and I would give up the van. They are listing it as never late so maybe that will help somewhat.