Keeping Home/credit rep 2nd shows up "incl. in bk"

[Moneypenny]

Hi,

Just got a notice about my FICO going down a bit because BoA changed the report on my second mortgage from "paid as agreed" to "included in bankruptcy"

However, I am keeping my house in the bk, and I am current on all mortgages including this one, and plan to stay current.

Is this a normal thing BoA did?

Thanks,

MMP

[blockhead]

Hi,

Just got a notice about my FICO going down a bit because BoA changed the report on my second mortgage from "paid as agreed" to "included in bankruptcy"

However, I am keeping my house in the bk, and I am current on all mortgages including this one, and plan to stay current.

Is this a normal thing BoA did?

Thanks,

MMP

It's normal yes - did the same with mine

[blessed]

Unless you sign to reaffirm the mortgage they should have it included in the bk even if you pay. They can report timely payments if you reaffirm though.

[catleg]

Yes completely normal. IIB is an "unrated" status. Usually improves your FICO score (not that I think anyone should be a slave to their FICO score.)