Reviewing My Equifax Credit Report

[svtthis]

Recently I applied for a refi on my auto loan and was denied. I requested my credit report In hopes that something was wrong so I can have them reconsider. 

I filled BK7 in Jan of 12 and was discharged in Mar of 12. So 1 year post BK7

I have old credit accounts that say transferred or sold; Charged off account. Balances refelect $0 but they don't say inculded in bankruptcy which they were. Is this a problem? Should they have said included in bankruptcy?

[Anonymous]

I'm am definitely NO PRO at this... and even less in BK's. But I think even if you filed a BK, wouldn't the collection still show on your report? If that's the case wouldn't it hurt your score anyways? Balance only helps for Util.

Chime in people with experience

[guiness56]

By law, if they were included in your BK the CR must show they are and a 0 balance.  The TL will still come off at the normal time.

[svtthis]

Thanks for the reply. Should I dispute this with the equifax and once I have them say inlcuded in BK will it have any impact on my score?

[guiness56]

No, there should be no difference in your score.  Having them show IIB leaves no discussion that no money is owed.