Inaccurate credit reports and bankruptcy

[down @ out]

I filed bankruptcy in October 2005.(pro-se). The bankruptcy was discharged in February and closed in April 2006.

Recently I began cleaning up my credit report and I am noticing something that I do not really know if it is worth challenging or not. Basically Equifax is reporting 13 accounts that were discharged in bankruptcy as being open with a zero balance. They indicate that the accounts were discharged.

I don`t know if their showing the accounts as open has any impact at all on my credit scores since they show the balance as zero.

Any thoughts?

Thanks,

[sandhall]

any account that is open takes a hit for your score.

[BKinFL]

So, it should say, Closed, included in BK, 0 balance...correct?

[sandhall]

yes it should say closed with a 0 balance

[BKinFL]

Thank you!