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    Question on equifax reporting

    Hi all,

    I just pulled my equifax report. I have 4 open accounts. (WHich two of are incorrect, as I got letters from the companies stating they were closed) But the bigger issue is 7 "negative" accounts.

    Are they considered negative because of the BK? Or because reporting of late payments? They do show IIB with $0 balance. I did notice a couple showed late payments, BUT... never had a late payment prior to the filing.

    Just curious.
    Filed 10/11/08 - 341 11/23/08 - Discharged 1/26/09
    2/19/09 Stipulation agreement reached w/trustee - Still awaiting Closed Status
    Check my blog at Steve's Bankruptcy Blog Watch day by day what happens with a PITA trustee! - Web Hosting by Broadband Hosting Web Hosting

    #2
    For every account that is 0iib, they will count as a negative, so if there are 7 accounts that were in your BK, that's your negatives. And yes, late charges/missed payments are also negative. Anything derogatory = negative accounts

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