SO ON MY TU REPORT THIS IS WHAT MY CAR LOAN SHOWS. IT WAS INCLUDED IN BK AND DISCHARGED BUT EVERYTIME I DISPUTE IT COMES BACK AS ACCURATE. ITS CLOSED AND $0 on ALL OTHER REPORTS. WHAT CAN I DO?
That isn't TU it is CK and you can ignore it. CK has a credit card listed as active on my file that was IIB and when I looked at my actual TU report it is accurate there. CK is rife with errors and merely a guide not the gospel truth. Oh, and stop disputing it because of the information you see on CK. You are doing more harm by continuously updating the TL than if you left it alone.
@Newbie2018 I agree with @Cowboys4Life it's CK's way of reporting. However, highly recommend you go through the free "Annualcreditreport" every week to ensure there are no discrepancies. I've had this issue before between CK and report directly from a specific bureau, nothing new. Nonetheless, download the free reports and verify it with your own eyes to make sure.
It says the same thing on annual reports. There is no close date listed. On the rest of the reports it shows a close date..... so it's definitely not reporting correctly...
You are focusing on the "closed" date and that is irrelevant. ALL that needs to be accurate is a zero balance and IIB. That is IT. The date you filed BK is the official closed date. Any other date is merely an internal accounting method now and has no affect on you. EVERY time you dispute this trade line you do more harm to your scores now because it updates. You need to let sleeping dogs stay that way.