Just curious about cap1 and reporting after closed bk7 but as derogatory

[Anonymous]

Hi All once again,

So my Cap1 auto loan is now reporting after my discharge and closed BK7 but my score dropped from 573 to 566 on transunion and on the cap1 loan it states:

Status

Date Reported Mar 31, 2020

Payment Status Current

Account Status Derogatory

In the remarks it states Reaffirmation of debt

But on the payment history its perfect as I have never missed a payment, so I be concerned on the status or is this normal, cap1 states the following on the Derogatory Status:

 The term "derogatory" means that this account is in a negative status and will likely hurt your ability to qualify for credit or other services.
It usually refers to late payments, but could also include other information that indicates credit risk, such as settling a debt and not paying it in full, collections accounts, bankruptcies, tax liens, etc

Thank you all once again and any input is much appreciated.

[FireMedic1]

I had the same with my Cap1 auto loan. After a little while that remark went away. I had perfect payments and it was piad off 8 months after Bk. Now it just says paid as agreed and no lates were reported. Comments dont change scores when you have no lates.