Hello everyone, I'm new to the forum and need a little help. I filed chapter 13 in 5/07 and it was discharged in 8/07; upon filing, my lawyer instructed me to stop making my payments. Now on my CRs not only do I have the BK but it is listed like IIBK/charge-off or IIBK/ 30, 60, 90 days late. My question is, shouldn't it only say IIBK? It's like a double whammy, because I tried to apply of an auto loan and my CU denied me not because of my BK but because of the late pays prior to the BK. Is there anything I can do about this to raise my scores?