The CRAs enter public record information, such as a BK, into consumer files based on public record searches.
If you were not a party to a BK, then it should not show in your credit report.
Obtain a copy of the posted public record of the BK. If it does not show you as a party to the BK, then file a dispute with the CRA of the accuracy of that information in your credit file.
Monthly delinquencies are different in that they are reported by the creditor to the CRA.
I would begin by making an informal call to the creditor and inquiring as to why they have reported a delinquency when you have not been delinquent on their account.
If it is clearly an error, they will likely correct without need for a formal dispute.
If they assert it is correct, then file a dispute with the CRA.
