Can someone help me with CR?????

[swiminindebt]

I seem to be very confused at what I should see in my cr. I have enrolled in the "truecredit.com" program and I'm trying to sift throuh the mess. Some are ok, others I'm not sure of.
---------------TU---------------------Exp.--------------------Equ.
Account No.: **********************************************
Condition::::::Closed (Paid)-----------Closed------------------Derogatory
Balance::::::::::$0----------------says nothing-------------------$0
Type:::::::::::Credit-------------------CC-----------------------CC
Pay Status:::Collection/Chargeoff----Late 120 Days----------Late 120 Days

OK, this is a cut and paste from one of my bk creditors. As you can see, some have $0 balance, some say nothing. Some say chargeoff others still show late. Also, in condition some say closed others say derogatory. What should it be?????? All three credit bureas basically have different things. In the condition field, should it just say "closed" or is it supposed to say derogatory? Under pay status, should it not state IIB, closed or something besides looking like it's late? Any help would be greatly appreciated....thanks

[StaciMM]

They should not show that the accounts are now 120 days late, though it may show the late payments in the history if that is correct. (Such as, 120 days late as of such-and-such date.)