credit report errors

[petunia]

I just got my credit reports (3 in 1 type) and noticed some credit bureaus reporting the same account as -closed (paid)- while the other two listed the same account as -derogatory-
Do I contact the creditor or the bureau?

I'm still a little confused as to why some are listed as derogatory.

On the van that was repossessed I have two entries into my credit report one is marked as:
collection/pay status: collection/chargeoff
and the other one marked:
collection/pay status: repossession.

They are both marked condition: derogatory. In the remarks section they have written: unpaid balance reported as a loss by credit grantor, charged off as bad debt/profit and loss writeoff, charged off account.

No mention of chapter 7 bankruptcy at all. What should I do there? Should both of them reflect the bankruptcy or only one. What legal info do I have on them reporting it accurately?

Thank you so much for any help

[valleyfever]

You need to dispute them with the credit agency, can be done online or by mail. If done by mail, go the online website and they'll ask you for the report number. Put that in and select "dispute". Just type experien.com or equifax.com or transunion.com in your browser and the page will come up.
There were some balance dues showing on my credit reports almost 7 years after my BK! I didn't realize the importance of checking my reports until last month when I found one of these credit boards online. I filed way back in 1998 and have never checked my reports! I just disputed them and EQX and TU fixed immediately, EXP is taking their sweet time. AND Experien shows that I have had 3 BK in the past two years and one in 1998!!! Idiots.
Just state that they are "included in Bankruptcy" and "balance should be $0". Like I said EQX and TU changed it right away, no problems. They took off the remarks like "charged off" and "repossession". My EQX score shot up 5 pts when they removed the $15000 balance that still showed for my car repossession. Dang, wish I'd know that was on ALL 3 reports!!! All these years I was showing $15000 as a balance due!
Good luck!

[petunia]

Thank you so much for the info I'll have to get on it right away.