It was not IIB at all, I kept the car for three years after the bk. She stated to me that because I filed for bk they have to put that in the notations by law. It was paid on time every month for five years. Now because I did file for bk they by law have to put the discharge date as the date of close on the acct and can not report anything afterwards.
So the three years after my bk don't count towards my credit and the CRA's are reporting derogatory and it's showing like I ditched the car and didn't pay off the rest of the loan.
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