Unclear about how my report should read after Chapter7

[AQ]

My Ch. 7 went through in November.  Looking at my credit reports, most notably for this message my TU report, and I'm confused. 

Recently, my credit union pulled my EQ and said it looked good (for BK) with the exception of HSBC which showed in collection and was still hurting.  This was included in BK though.  So I disputed it with EQ since my credit union said it was hurting me.  Now for the TU issues:

Looking at TU, it appears that the same things HSBC and First Premier are not showing they were discharged in BK.  My natural reaction would be to dispute it, as I did with EQ; however....my TU reports says these are estimated to fall off my credit report in two years.  Now my question is, if they are estimated to fall off in two years, should I not dispute them as being discharged?  If they are changed to discharged, wouldn't that mean they'll be on there for seven more years, minus a few months since I filed. 

Another questionable situation:

It's similar with my defauled student loans.  I have all these negs from Sallie Mae that saying "seriously past due" or "more than 120 days past due", but those loans were picked up from another lender, ECMC.  The ECMC shows past due, or in collection, but they are not....I consolidated them into one loan a couple of years ago, about a year after they were picked up.  Shouldn't ECMC note that?  What about the original with Sallie Mae?  (This issue is universal across all three reports, in that none are noted as being consolidated; however, TU actually still says "in collection."  It's not in collection.  I couldn't get new student loans if they were in collection or past due.   Should my TU reflect this, or at least reflect that they are no longer in collection since they 1) have been consolidated into a single loan and 2) are in deferrment while I am in school?

[Scupra]

---

@AQ wrote:

My Ch. 7 went through in November.  Looking at my credit reports, most notably for this message my TU report, and I'm confused. 

Recently, my credit union pulled my EQ and said it looked good (for BK) with the exception of HSBC which showed in collection and was still hurting.  This was included in BK though.  So I disputed it with EQ since my credit union said it was hurting me.  Now for the TU issues:

Looking at TU, it appears that the same things HSBC and First Premier are not showing they were discharged in BK.  My natural reaction would be to dispute it, as I did with EQ; however....my TU reports says these are estimated to fall off my credit report in two years.  Now my question is, if they are estimated to fall off in two years, should I not dispute them as being discharged?  If they are changed to discharged, wouldn't that mean they'll be on there for seven more years, minus a few months since I filed. 

Another questionable situation:

It's similar with my defauled student loans.  I have all these negs from Sallie Mae that saying "seriously past due" or "more than 120 days past due", but those loans were picked up from another lender, ECMC.  The ECMC shows past due, or in collection, but they are not....I consolidated them into one loan a couple of years ago, about a year after they were picked up.  Shouldn't ECMC note that?  What about the original with Sallie Mae?  (This issue is universal across all three reports, in that none are noted as being consolidated; however, TU actually still says "in collection."  It's not in collection.  I couldn't get new student loans if they were in collection or past due.   Should my TU reflect this, or at least reflect that they are no longer in collection since they 1) have been consolidated into a single loan and 2) are in deferrment while I am in school?

---

I have no idea on the student loans so I am going to leave that for someone else to speak on.. As long as HSBC and First Premier were iibk than you need to get them to report that way. Disputing does not chnage the DOFD so it will still fall off at the listed time. GL

[AQ]

Great!  Thank you!!!

[aussiesareforever]

Agreed. Have your accounts updated to say "included in bankruptcy". Ths will give you a zero balance and will be better for your score. They will still fall off in two years. 

[aussiesareforever]

Better to post your SL question in the SL section