pull your credit report and see what is on there. Anything included and will be discharged needs to state "included in BK" I am in a chapter 13 and Experian keeps the past due balance showing until you are actually discharged, but TU and Equifax have been much better at updating information. Make sure the DOFD dates match up with your BK filing. And then start rebuilding with the rebuilder cards. congratulations on finishing up a 13!