Question about my credit report

[sp114]

My case was discharged last month, so I am keeping a close eye on my credit report. I am using True Credit and pull an updated report every few days. Today I noticed that a store credit card that had a zero balance and was not included in my bankruptcy, showed up as included in my chapter 7 and closed by the grantor. Also, it showed up as deliquent on of the reporting agencies. I am not sure how a card that has had a zero balance for over a year could be deliquent. Is this normal, or do I need to call and try to get this off of my report. I have heard that some creditors will close accounts if they find out you have had a bankruptcy. Do you think that is what has happened? Any and all advice is appreciated...............

[HHM]

It is fairly normal, especially for store credit cards, to close accounts after someone files BK. Even though you didn't list the account, odds are a routine audit by the store company found it and thus closed your account.

However, reporting the account delinquent if it has no balance, I believe would be improper. Thus, I would dispute the delinquent entry, you don't really have any grounds to dispute the closing of the account. You may also want to dispute the IIB entry, but I think doing so is 50/50. Strictly speaking any account that "could have" been included in your BK and is dischargeable, gets discharged in a BK.

[sp114]

Thanks for the response. I wonder what would have happened if I had used the card after the discharge. If I had put a balance on it, I wonder if they would have still closed the account or left it alone. I will see about getting the deliquency off of my report.