After Ch 7 dismissal B of A still listed as IIB
So between my husband and I there are three B of A accounts that are still listed as IIB on my credit report and his, after being dismissed in September. We have been settling with other cards because they are offering settlements, but B of A is not calling, not sending anything to us. Same thing with a 10K credit union Visa. Except that card we sent a letter to them offering a settlement and they sent a letter back saying they would not take the settlement. They also called me and told me the same. I have just been waiting to see what would happen on both accounts, but they still remain IIB.
I dont WANT to kickstart drama with B of A, but I feel like if we ever go to try to buy a car or house it is going to bite us.
A) do you think it will bite us if we were applying for a new loan? Probably a car in the next year.
B) what would you do with B of A - leave it and hope it doesnt bite us when applying for a new loan and pray the SOL runs out on it before they figure it out?
I dont WANT to kickstart drama with B of A, but I feel like if we ever go to try to buy a car or house it is going to bite us.
A) do you think it will bite us if we were applying for a new loan? Probably a car in the next year.
B) what would you do with B of A - leave it and hope it doesnt bite us when applying for a new loan and pray the SOL runs out on it before they figure it out?