Kay Jewelers

[Anonymous]

I had a bk discharged in 04 and Kay Jewelers was included in the bk.  How can they still "report" in 10/09?  It says included in the bk?  Are they able to do that?  Isn't that a derogatory hit?

[Anonymous]

All info related to the account PRIOR TO your BK filing is still reportable. However, the current balance should be $0/IIB, and any history (of lates, etc.) should have ceased from your filing date (unless, of course, the account remained open and you used it).

[Anonymous]

it shows that it is a 0 balance but in on my CR it says 02/09 reported.   What does that mean? 

[Anonymous]

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@Anonymous wrote:
it shows that it is a 0 balance but in on my CR it says 02/09 reported.   What does that mean? 

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It simply means that the creditor last reported the account to the CRA(s) in February. They can, and probably will -- at least periodically -- report it until 7 years from its last activity, which probably was your BK discharge. So, it will likely drop off in 2011.