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CU CC Showing 'Open' with TU Post Discharge

Established Member

CU CC Showing 'Open' with TU Post Discharge

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)
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Super Contributor

Re: CU CC Showing 'Open' with TU Post Discharge

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!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
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