https://ficoforums.myfico.com/t5/Bankruptcy/CU-CC-Showing-Open-with-TU-Post-Discharge/m-p/5163468#M54077 <P>I received discharge on 2/1. I checked all my reports yesterday (and have been watching updates using the CreditWise service I had from CapOne pre-BK).&nbsp;</P><P>&nbsp;</P><P>I know the FAKOs aren't super accurate, but I'm seeing the same thing on the actual report - my CU CC shows as 'included in bankruptcy' and balance of $0, but the account shows as 'open'.</P><P>&nbsp;</P><P>Creditwise is pulling this as me having an open CC with a $2k credit line and zero utilization... From what I can tell, my old CU will be keeping the account 'open' indefinitely as it's a 'loss' for them. They still hope I'll pay them back out of the kindness of my heart so that I can bank with them again - I'd love to bank with them, but yeah, not going to happen...</P><P>&nbsp;</P><P>My question - should I bother disputing this with TU to get the account listed fully as closed, or leave it as-is with zero util until I'm able to get a starter card to rebuild my credit? From what I can see, it's listed as 'closed' with EQ and EX.</P> Wed, 14 Feb 2018 19:41:09 GMT Anonymous 2018-02-14T19:41:09Z https://ficoforums.myfico.com/t5/Bankruptcy/CU-CC-Showing-Open-with-TU-Post-Discharge/m-p/5163468#M54077 <P>I received discharge on 2/1. I checked all my reports yesterday (and have been watching updates using the CreditWise service I had from CapOne pre-BK).&nbsp;</P><P>&nbsp;</P><P>I know the FAKOs aren't super accurate, but I'm seeing the same thing on the actual report - my CU CC shows as 'included in bankruptcy' and balance of $0, but the account shows as 'open'.</P><P>&nbsp;</P><P>Creditwise is pulling this as me having an open CC with a $2k credit line and zero utilization... From what I can tell, my old CU will be keeping the account 'open' indefinitely as it's a 'loss' for them. They still hope I'll pay them back out of the kindness of my heart so that I can bank with them again - I'd love to bank with them, but yeah, not going to happen...</P><P>&nbsp;</P><P>My question - should I bother disputing this with TU to get the account listed fully as closed, or leave it as-is with zero util until I'm able to get a starter card to rebuild my credit? From what I can see, it's listed as 'closed' with EQ and EX.</P> Wed, 14 Feb 2018 19:41:09 GMT https://ficoforums.myfico.com/t5/Bankruptcy/CU-CC-Showing-Open-with-TU-Post-Discharge/m-p/5163468#M54077 Anonymous 2018-02-14T19:41:09Z https://ficoforums.myfico.com/t5/Bankruptcy/CU-CC-Showing-Open-with-TU-Post-Discharge/m-p/5164771#M54097 I would just leave it. I had a card report as open for about 2 ish years, now it has updated to closed.. Super weird! Fri, 16 Feb 2018 02:50:21 GMT https://ficoforums.myfico.com/t5/Bankruptcy/CU-CC-Showing-Open-with-TU-Post-Discharge/m-p/5164771#M54097 Scupra 2018-02-16T02:50:21Z