ok, so we need a little more clarification. Do you show TWO separate public records, for example....TWO BK13's?
or did they just update your current BK 13 to a Discharged status, because you are officially discharged now?
If its the later, then its reporting correctly...Whenever a BK is "discharged", it will reflect that on the PR. You actually want to see that, and so do creditors for that matter. That means your BK is final...done.
also to add...where did you get your information from? I doubt your true FICO score dropped if the CRA updated to "discharged", usually the opposite happens.
Will do! It's showing up as a second public record
Pull a true report and let us know how it is showing. Credit Karma is just wonky sometimes