should my ride-thru house pmt show up as iib?

[Tom_Mi]

We listed the house iib and are riding thru...for now.

My credit report shows the loan as "paying as planned, balance 220k" or whatever, not "Included in Bankruptcy, balance 0".

I sent a letter to experian, and they just came back with "we contacted the lender and they say this is correct".

Are they correct? That nonzero balance due is hurting my debt/income ratio.