So confused now

[Cat27hargadon]

My reports are showing derogatory and some open not closed. They are showing $0. How do I proceed?

[cem13]

You need for all the accounts in a BK7 to say "Included in Bankruptcy".  I might say "IIB" or "Included in a Chapter 7, 11 or 13 Bankruptcy".  The balance should show 0.

Now I have a few accounts that show "open" but 0 balance after my BK7.  I did NOT dispute this because the open account is helping my AAOA.  I called them and they all say the account is closed.  However, they did not report correctly so I am not going to kick a sleeping dog.

[Anonymous]

It usually takes a month or two for the reflection to show.  Even if it was wipe out from Bankruptcy, they will still show on your credit report until the SOL is over.

[Scupra]

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@cem13 wrote:

You need for all the accounts in a BK7 to say "Included in Bankruptcy".  I might say "IIB" or "Included in a Chapter 7, 11 or 13 Bankruptcy".  The balance should show 0.

Now I have a few accounts that show "open" but 0 balance after my BK7.  I did NOT dispute this because the open account is helping my AAOA.  I called them and they all say the account is closed.  However, they did not report correctly so I am not going to kick a sleeping dog.

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This! Start disputing things as "included in BK"