Debt not coded right..but in description?

[amyl]

QUESTION...I use Truecredit.com to monitor my credit. They still say derogatory and cc.....when you hit the option "more about this account" under the remarks it does say included in BK.

Do creditors get to view this...or do I only get to view it under Truecredit.com?

[FilingOnMyOwn]

Its still going to be a derogatory account, even when showing a 0 balance and included in bankruptcy. The negative effect of such an account fades over time.

[amyl]

I had to pull my Experian credit report by iteself today..don't asky why..and it has a different score than what True Credit has for me. Why is this?

[FilingOnMyOwn]

It is widely agreed that no score you buy is going to be accurate. They are all an estimation at best, of the scores lenders actually come up with.

Probably the best you can do is on myfico.com, but its expensive.