Why are balances still showing after BANKRUPTCY DISCHARGE

[Anonymous]

Hi, there:

Can anyone tell me why my old credit card balances are still showing as "open" on my credit report, even though my Bankruptcy was formally discharged on February 19th?  How long does it take to reflect zero balances?

Thanks!

[Anonymous]

Assuming they are derogatory as they stand, dispute them with the CRAs. (Personally, I like to give them as little information as possible - I would simply list them and state that the accounts are inaccurate as reported and ask that they be corrected.)

In my experience, some will be updated to IIB and others will simply be deleted.

[Anonymous]

Thank you for your reply.  I have been correcting my credit reports.  I figured that everything included in the BK would automatically be updated with the CRAs.  I am new to this board, would you kindly fill me in to what the term "IIB" stands for?

Thanks, much!

[krielly]

IIB=Included in bankruptcy. All of your account should state this, and have a "0" balance.