Credit Report After Chapter 7 Discharge

[celluloidluster]

hi everyone,

i had my 341 meeting today (yay!!), it went smooth just like everyone kept reassuring me it would..

my question is: once my discharge goes through what should i expect my credit report to look like? is your old debt history erased? or can potential loaners still pull up your payment history and such just as they could before the discharge? is there still a public record/tradeline listed on your report listing your bankruptcy?

also: my auto company posted a tradeline stating that i was 30 days late nearly two weeks after i filed for bankruptcy.. is there a way i can have this removed (if it wont already be once i am discharged?) as i am surrendering my car and getting a new one shortly after my discharge and i dont want their remark to make my interest rate any higher than it already will be..

thanks!!

[biotechsolution]

all the credit history will still be there and reported up until the day of your filing.
If you were late on any accounts or if they were charged off all of that can be legally reported up until the filing date of petition.
But after the petition date they have to be reported with 0 balance and discharged through bankruptcy.
They can still report any lates or charged off with the bankruptcy if they were in that condition at the time of your filing.
They can't report any balances or lates after your filing date.
Some creditors will change everything once they get notice of the filing to keep away from stay violations but others will wait until confirmation of discharge.

[guzzie]

glad your 341 went well....

[slg1234]

I have a question about my credit report. I am reaffirming my house and the reaffirmation has already been signed and filed. On my credit report my mortage company has it listed as "Included with Bankruptcy" and it still has the amount of my loan listed. Is this what is suppose to say? Just a little worried that it states it is "included with bankruptcy".