Credit Report Question

[km2654]

My Chapter 13 was discharged in January! I pulled my credit reports today. There are 3 items I have questions on.

My car loan shows it was discharged in bankruptcy. The car loan was paid off a year ago through the trustee. Is this status correct?

My Macy's account had a 0 balance when I filed and it has "debt included in bankruptcy never late". Should it be reported this way when I didn't owe them anything?

I had a student loan that I thought would not be discharged but it shows discharged in bankruptcy but it also has a Creditor statement that says closed due to transfer. It says discharged but is it really?

Thanks for your help.

[Mayo]

The student loan people should have been notified with the discharge. My wife had a small student loan for 5K. I got a letter and payment book 3 months post discharge. Your auto loan? Your Macy's account should read discharged 13. I pulled my Credit report last month and I mailed a certified letter today to AMEX with a copy of my discharge decree and credit report and informed them they needed to correct this. You can dispute online through the agencies but I've read on here that a certified letter is the best way. It cost me $8 to mail it with signature confirmation but I think it's worth it to clean up my report.