We were just discharged today so I decided to pull up our credit reports. So far they look pretty good. Just about all of the credit cards are showing IIB with a $0 balance. Couple of questions though:
- Our 2nd mortgage, which we did not reaffirm but remain current on, is still reporting a balance but also a positive history, even reporting our payments that were made while we were in BK (reported as of this month). Is this normal?
-On our Equifax report, a couple of the cards don't say IIB, but they do show as "closed by credit granitor" with a zero balance. Is this ok?
Otherwise, everything looks pretty normal. I even see a Cap One card that may have survived the BK (we opened it a while back but never used it)
Thanks!
- Our 2nd mortgage, which we did not reaffirm but remain current on, is still reporting a balance but also a positive history, even reporting our payments that were made while we were in BK (reported as of this month). Is this normal?
-On our Equifax report, a couple of the cards don't say IIB, but they do show as "closed by credit granitor" with a zero balance. Is this ok?
Otherwise, everything looks pretty normal. I even see a Cap One card that may have survived the BK (we opened it a while back but never used it)
Thanks!
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