Posts: 230
Registered: ‎10-01-2012
Does "Date Reported" impact your score?

I understand that it is a violation of FCRA for a creditor to continue to report regularly a debt discharged through BK.   I went over my report again and found just one - Target - that was discharged in 2006, still reporting monthly.  Although it says 0 balance, and status is discharged through BK, and the date of status is 5/2006.  However, under last reported, it says 9/2012.   


Does this have any impact on my score?  If it does, then I want to notify them that they are to cease and desist reporting this monthly.  If not, then I won't bother.