Discharged through Bankruptcy Chapter 7/Account Charged off

[Anonymous]

Many of the accounts that were included in my bankruptcy say discharged through Bankruptcy Chapter 7/Account Charged off. Is this hurting my fico scores? I've been reading the threads in here and found one about this but I am not sure that my situation is the same as what they were stating. Listed below is an example of what is on my credit report. Should I dispute this to just show discharged through bankruptcy chapter 7?

KOHLS Address:  N56 W 17000 RIDGEWOOD DR MENOMONEE FALLS, WI 53051 No phone number available  Account Number:  03347756....  Status: Discharged through Bankruptcy Chapter 7/Account charged off.   Status Details:  This account is scheduled to continue on record until Oct 2011.   

Date Opened: 01/2002  Type: Revolving Reported Since: 01/2002 Terms:  NA Date of Status:  09/2005  Monthly Payment:  $0  Last Reported:  11/2007  Responsibility: Individual   Credit Limit/Original Amount: $100  High Balance:  $1,051  Recent Balance: $0 as of 11/2007 Recent Payment: $0

Account History: Charge Off as of Mar 2005 to Aug 2005 Collection as of Mar 2005 150 days as of Feb 2005 120 days as of Jan 2005 90 days as of Dec 2004 60 days as of Nov 2004 30 days as of Oct 2004 Debt included in Chapter 7 Bankruptcy on Sept 29, 2005

[SmartCookie]

It is showing that the charge off was IIB and discharged under Chap 7 in Sept 2005.  That's what it is supposed to look like and it impacts your score like any other paid derog.

You can write a GW letter to Kohl's and ask them to remove the entire TL, just like any other paid derog TL.  They may or may not, but legally they can choose not to report this.  The BK has no bearing on GW.