We claimed Ch 7 and had all of our previous accounts closed. We have credit cards that were paid in full closed prior to this. We also had mortgage payments that were paid in full with accounts closed prior to this also. They still show in the "Scheduled Payment" section with a payment amount. The account shows closed as of the date closed (approx 2 years pior to Ch 7). Our credit report from all 3 agencies with our credit score showed the last date reported was the date the account was closed but still has a payment amount listed.
Will these "Scheduled Payment" amounts affect our debt to income ratio for trying to aquire new credit or loans? Or is this just a clerical error that makes no difference?
