I've searched through the forums and come to the consensus that if something is listed as a charge-off instead of IIB, it's due to being charged off before BK was filed. How do you tell if this is the case?? I've started going through my CRs with a fine tooth comb now that I'm coming up on discharge and noticed that my car loan is being reported as charged off, with 60 and 90 day lates reporting after I'd already filed BK (2 mos after my filing date). It's reported this way on all 3 bureaus CRs, so I'm assuming it's probably legit, but is there any way to tell? From my internet detective work, I found that auto loans are not typically charged off until 120 days late. my 120 day late mark would've been 2 mos or so after filing, so it seems like that shouldn't have happened.
Also troubling is that on TU, it says the account is still open and a balance of $23k.
Guess I should contact my lawyer. 
