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Trade line


shadokeeper
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After a loss of employment and a serious medical issue! I was forced to file Bankruptcy, It has been discharged, I am trying to figure out how my trade lines should report.

I know they should say $0.00 balance but should they read derogatory? I am just trying to clean up my Trade Lines so that they are all correct and I can put this nastiness behind me...

Thanks for any help...

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They should read a balance of $0.00, state iib (included in Bankruptcy), and the date of last action should be the date you filed for BK (not the date of discharge).

The BK itself will be on your report for 10 years. Each tradeline will be derog but should only stay on for 7 years from date you filed for BK.

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