I was discharged from CH 13 BK last month. IIB were 2 installment loans with the same creditor. They were repaid the secured amout in the BK but refuse discontinue reporting a balance owed on the unsecured. The CRA's do show the statuses as IIB however it's still reporting that I'm in arrears approximately $780 due to these accounts. This is the only thing dragging down my score as well as my rebuild process. Are they legally obligated to forgive the debt & report as 0, or can they report as they choose?