Question about CR after BK?

[mskarma]

I have three collection accounts on my credit that state they were IIB.  I was told by someone that the collection accounts should not appear on my credit report if I included the original creditor in my bankruptcy.  Is this true? The accounts were sent to collections before  I filed, I don't know if that matters.

[SoulMaster]

They usually go away, but there's no hard and fast rule that they have to as long as they're valid and accurate.

In this case valid and accurate means:

IIB

$0 balance

Closed

The $0/Closed is what makes them go away.  Also, they aren't zero (and normally don't go away) until they're actually discharged.

If there's anything wrong (like they're showing a balance), dispute them or call an FCRA attorney in your state.

-SM