I have a couple questions as to what is allowed to show up on my report after BK. I've been in the process of actively cleaning up my report and found some items I deem questionable. So first off, if an account was PIF or never even used before BK, can a creditor even claim that it was included in BK? Second question I have, is I continued to pay on my car and boat loans throughout the BK, but is shows that the payments were 30,60,90 days late during the BK process. The loans were not reaffirmed but I did pay them off in good faith in order to keep them. My report shows these payments even though it also shows IIB! We also had a home loan that was included, but we continued to pay and later sold but it shows IIB because it wasn't reaffirmed, these payments did not show up. I want to dispute these items, however I do not want to reage the accounts by starting an investigation since it's already been 4 years. It was chapter 7 in case anyone asks. Any advice on best course of action or if anything can/should be done?
