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).
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'.
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...
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.
Filed BK 10/2017 Discharged 2/1/18 3/2018 - 638EQ / 582TU / 630EX Current TLs - NFCU Secured Card ($600) / Discover IT Unsecured ($500) / Nissan Motor Finance Auto Loan / Student Loan (Consolidated - in deferred status, but shows as 'pays as agreed' on report)