Huge score drop after simple "update" of my account that was included in bankruptcy. Any ideas?

[orestrus]

I filed for bankrouptcy protection in 2010. Was discharged in November of the same year. To be honest, i've been working very hard on improving my score for the past year only. Got 3 credit cards, pay them off in full..Got my score up to 574, and there we go...One creditor reported my account that was included in bankrouptcy with "included in bankroupcy" notation. Below  is the copy/paste of this entry. Why on Earth am I getting punished twise for the account , that was ALREADY included in bankrouptcy, and I lose almost 30 points??  These credittor will fall off from my report in a year (6 yrs from last activity), but it still is very, very confusing. Anyone can help me to understand these problem? Thanks

CIBC CARD SERVICES
Phone Number:	Not Available		High Credit/Credit Limit:	$2,000.00
Account Number:	XXX...712		Payment Amount:	$10.00
Association to Account:	Individual		Balance:	Not Available
Type of Account:	Revolving		Past Due:	Not Available
Date Opened:	2007-01		Date of Last Activity:	2008-09
Status:	Paid as agreed and up to date		Date Reported:	2013-08
Months Reviewed:	02
Payment History:	No payment 30 days late No payment 60 days late No payment 90 days late
Prior Paying History:
Comments:	Included in bankruptcy Monthly payments

[guiness56]

After you file for BK the creditors are obligated to report the account as IIB with a 0 balance.

Had this creditor been reporting before the BK or did they just start after?

[orestrus]

once before, and this was the second entry..

[guiness56]

Can you clarify.

Did they add another account along with the original account?  So, technically, this is a duplicate account?

[orestrus]

No, this is the original account with citation "incleded in bankrouptcy". I am very, very confused.. How could i possibly lose 30 hard earned points just for nothing?

[guiness56]

If I read what you have posted concerning the account correctly, the last time it was updated was 2008.  Is that correct?

If it was, by the update to IIB, it used the current date making the account appear newer.  That is the reason for the score drop.