Still reporting as charge offs

[BrokeStudent8]

A great deal of my accounts with the bureaus are reporting "Collection/Chargeoff" in addition to "Discharged through Chapter 7 Bankruptcy" (on the same accounts.) Is it legal for them to report both statuses? I was under the impression that they couldn't do that,that after the discharge they could only report "Discharged through Chapter 7 Bankruptcy." I've disputed twice with each bureau and none of them have adjusted this. What am I supposed to do? I only want the discharged status to be listed....

Something else that I noticed is that my TU report showed my bankruptcy under "Public Records" but now the record is gone. However, there are still comments such as the "Discharged through Chapter 7 Bankruptcy" listed under some accounts. Has anyone else had this happen? Should I write them and tell them to put the BK on my report?

[babybankruptcy]

A great deal of my accounts with the bureaus are reporting "Collection/Chargeoff" in addition to "Discharged through Chapter 7 Bankruptcy" (on the same accounts.) Is it legal for them to report both statuses? I was under the impression that they couldn't do that,that after the discharge they could only report "Discharged through Chapter 7 Bankruptcy." I've disputed twice with each bureau and none of them have adjusted this. What am I supposed to do? I only want the discharged status to be listed....

Something else that I noticed is that my TU report showed my bankruptcy under "Public Records" but now the record is gone. However, there are still comments such as the "Discharged through Chapter 7 Bankruptcy" listed under some accounts. Has anyone else had this happen? Should I write them and tell them to put the BK on my report?

Yes, mine are showing up the same way IIB and Charged OFF. I've been pondering how I can get them to show my accounts as only included in bankruptcy. My credit report is just a mess, they have accounts that I had consolidated with another company IIB and charged off, when the account was current before I consolidated. Plus the consolidated account is listed as IIB. That's like a double negative. Like being discharged of the same debt twice. I just don't get it.

As far as telling them to put the BK back on your report, SHOOOT I wouldn't. Then again, when you start to dispute derrogs they may run up on your petition anyway. Unless you start off disputing the accounts as "Not Mine."

Sorry I don't know. If you find out before I do, let me know. Good Luck!

[tinroofrusted]

It should ONLY say "Included in Bankrupty" and should ONLY show a 0 balance!

[Roadrunner]

Were they charged off before you filed?

[BrokeStudent8]

Were they charged off before you filed?

Yes, the ones that are reporting both statuses were charged off before.... does that mean I can't dispute it?

[Roadrunner]

If it was charged off before, though, then they are probably reporting correctly. My understanding is they can't report anything like late payments, charge off, etc. after teh bankruptcy. But, if it happened before filing then they can report that as long as everything in what they report is accurate.

[robbndawn03]

What if you disputed it as not yours they refuse to take it off and it says charged off 6 months late? Can you go back and dispute as included in BK ..
I have been taking the road as NOT MINE .. as stated to do as a option here which from what I can see it works for some people . My question is what could happen if now I admit to debt and BK... I never thought about that when I chose that way to go.. now I have capital one showing 6 months late and charged off ...Please help .. thanks

[jeffstrikesback]

Same problem

Hello,

Two of my accounts are also saying charged off and they will not change it to "included in bankruptcy". Both have a zero balance. Is charged off worse than IIB? And if you want to be persistent how does one go about getting rid of "charged off" if they won't change it through investigation? BTW, I believe both accounts were turned over to collectors right before I filed.

Thanks,

Jeff.

[Roadrunner]

Jeff-

If they were sold to collections before you filed, then the OC (original creditor) probably did charge them off before. If they sold the debt (rather than just letting someone collect for them) then they can claim that when you filed, you didn't owe them-you owed whoever bought the account.

On the bright side, if they charged the account off in January and you filed in April, then it may be better than IIB. My logic is not proven, but I think that would count as a negative in January, not in April. The older it is, the better.

[invest1choice]

Say if that is what happen they were charged off before you got your discharge or filed (right before) But that is probably there plan when we file they get there letter and start that process befor our discharge, Just a thought
But anyways by saying charged off and IIB does that lower you score and how persisitant should we be to have it corrected . what about contacting the credit and telling them they are reporting it wrng and violating our rights?
Reason being I have been on the credit bureaus with disputes on a monthly basis disputing every month some have been removed which I was thrilled about but the others just come back stated previously verified so whats the point there with the credit bureaus? Also I am about to start I typed up all inquiry's and several addresses that were wrong plus there was like 13 other names that were all spelled diffrently I asked for those to be removed and to only have one name listed fotr my husband , Plus requested his job that he had never worked for to be removed not sure if all this extra incorrect info will help but I can not getting no where with disputed BK not mine and it always coming back verified previously .. any suggestions??
Thanks