Charged off accounts before BK

[arami008]

I was wondering if old charged off accounts before BK are suppossed to show as IIB or as charged off. Most of my accounts were charged off before bk as it took me so long to file, but I just called one of them and they said that they can report as charged off because they no longer had my account when I filed bk7.

I disputed all those old charged off accounts with only some getting deleted and the rest updated and stayed the same.

[StartingOver08]

As long as the CRA is reporting the TL accurately then they can report a charge off IF the charge off occurred before the BK file date. If it occurred after the filing date, then they must report the TL as zero balance and iib.