grandpax5 Posted January 25, 2008 Report Share Posted January 25, 2008 How is the credit report suppose to look like from the time Chapter 7 is filed until discharged. I have some that show charge off, bad debt in black from the day it is filed until discharged, which is about 4 months worth. Is this right or what. Link to comment Share on other sites More sharing options...
LadynRed Posted January 26, 2008 Report Share Posted January 26, 2008 No, it's not right. If it's been 4 months since your discharge, then most, if not all creditors should have had time to update to show the bankruptcy. They should be reporting as IIB, zero balances, and no derogs after your filing date. There can be no negative reporting AFTER you file BK.Now, if the old accounts were charged-off and sold before you filed, they probably won't update, since the next CA or JDB in line would be the one required to update. Link to comment Share on other sites More sharing options...
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