Debts in credit report correct?

[amyl]

My BK was discharge 02/06 Ohio.. I checked my credit report today and my BK is on there. However...all of my debts that was covered under BK are still saying COLLECTION CHARGEOFF and derogatory.

Shouldn't it say under the debts something "covered under BK"?
I know it will not say that...but I read somewhere that it should still not say collection charge off. Does anyone know if I am right? And what it should say under each debt that was covered under the BK?

[Princesskina]

You are right and u need to dispute it so it should report at IIB

[amyl]

Blonde here...what is IIB?

[Princesskina]

lol u funny.... It should say Included in BK = IIB

[amyl]

lol...thank you

[newstart]

I have some that say charge off/collection/included in bk that is the caption is that correct.

[amyl]

Mine don't even say that.

I am kinda still in the dark on how to dispute. I know I should send letters to the creditors and the credit beaurea. What should I say in the letter? And should I include a copy of the discharge letter I received?

1 more weird question...will my credit score go up any after that is reported correctly? Here's to hoping it does :-P

[Princesskina]

^^^

Yes ur score should go up if disputed correctly, but why not dispute online?
If u saw ur report online then there is an option for u to dispute something u dont agree with. U can google cra letters tons will pop up I believe this site also has a forum that has sample letters as well.

[amyl]

I will check that out thanks. I am on true credit and I cannot find where to dispute. Maybe I am just looking too hard!

[newstart]

You need to go to the individual CRA websites you can't dispute directly on True credit.

[amyl]

I found that I can dispute with Transunion on True credit..i did that last night. I am sending the letters to the other CRA's tomrrow. I just have to wait the dreaded 30 days. Thanks for all the info.

[tinroofrusted]

I have some that say charge off/collection/included in bk that is the caption is that correct.

According to the FTC it is illegal to charge off a debt on a credit report once it is included in Bankruptcy.