https://ficoforums.myfico.com/t5/Bankruptcy/Filed-bankruptcy-had-the-meeting-with-the-creditors-and-now-this/m-p/3611121#M23033 Legally, they are not required to update your credit report to IIB and a zero balance until AFTER you're discharged. The ones that did are just doing you a favor. It's actually very easy to get fixed after discharge and many of them simpy wait til then anyway. If they refuse, you load a copy of your creditor matrix and your discharge to help.<BR /><BR />Also, If you had any accounts that were listed as a charge off BEFORE you filed, they will not update - as that reporting is correct. Your filing of BK simply means that no future debt collectors can attempt (legally) to collect on it. Sat, 08 Nov 2014 12:04:06 GMT 0REDSOX7 2014-11-08T12:04:06Z https://ficoforums.myfico.com/t5/Bankruptcy/Filed-bankruptcy-had-the-meeting-with-the-creditors-and-now-this/m-p/3610567#M23025 <P>I filed bankruptcy and this last week I had the meeting with the creditors. I decided to pull my credit report and noticed most of the accounts were under a "Chap 7" status. I also noticed there were quite a few that weren't under that status and were still "Open and in Collections". I know for a fact I gave these debts to my lawyer as I pulled several reports. I know after a discharge these are impossible to get fixed. My lawyer is quite useless and rather difficult to reach so should I just take the initiate to call the creditors myself and let them know I filed?&nbsp;</P><P>&nbsp;</P><P>Is this something my lawyer should have done?&nbsp;</P> Sat, 08 Nov 2014 05:48:23 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Filed-bankruptcy-had-the-meeting-with-the-creditors-and-now-this/m-p/3610567#M23025 Anonymous 2014-11-08T05:48:23Z https://ficoforums.myfico.com/t5/Bankruptcy/Filed-bankruptcy-had-the-meeting-with-the-creditors-and-now-this/m-p/3610873#M23028 no, submit your discharge paperwork to the credit bureaus - they should change all reporting Sat, 08 Nov 2014 07:21:40 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Filed-bankruptcy-had-the-meeting-with-the-creditors-and-now-this/m-p/3610873#M23028 grassfeeder 2014-11-08T07:21:40Z https://ficoforums.myfico.com/t5/Bankruptcy/Filed-bankruptcy-had-the-meeting-with-the-creditors-and-now-this/m-p/3611121#M23033 Legally, they are not required to update your credit report to IIB and a zero balance until AFTER you're discharged. The ones that did are just doing you a favor. It's actually very easy to get fixed after discharge and many of them simpy wait til then anyway. If they refuse, you load a copy of your creditor matrix and your discharge to help.<BR /><BR />Also, If you had any accounts that were listed as a charge off BEFORE you filed, they will not update - as that reporting is correct. Your filing of BK simply means that no future debt collectors can attempt (legally) to collect on it. Sat, 08 Nov 2014 12:04:06 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Filed-bankruptcy-had-the-meeting-with-the-creditors-and-now-this/m-p/3611121#M23033 0REDSOX7 2014-11-08T12:04:06Z https://ficoforums.myfico.com/t5/Bankruptcy/Filed-bankruptcy-had-the-meeting-with-the-creditors-and-now-this/m-p/3611793#M23040 <P>I would add that, except for non-qualifying debt [eg: IRS taxes, student&nbsp;loans, etc],&nbsp;ALL consumer debt exiting as of filing date are legally included in a bankruptcy filing ... whether or not they are listed in the schedule. Not to worry. Waitin until your discharge is granted and then check to see what is being reported.</P> Sat, 08 Nov 2014 17:29:10 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Filed-bankruptcy-had-the-meeting-with-the-creditors-and-now-this/m-p/3611793#M23040 ezdriver 2014-11-08T17:29:10Z