Cleaning Credit Report

[danaszabo]

Another I feel confused by.. wow, this whole process is sure making me feel stupid. ;) I am trying to make sure my credit report is reflecting things appropriately, but how do I know? I still have several accts showing up that are pre BK -- I am aware that the accts won't ever actually go away, but should stop reporting negatively - correct? So, in cleaning up my credit report does anyone have a simple way of explaining what should/shouldnt be on there? Or so long as the accounts are listed as "0 balance" or "inc in BK" are they ok? What about accts that are simply listed as "charged off" (occurring prior to BK) should those no longer be listed as "charged off" and instead as "inc in BK"? Im so confused. Thank you again.

Dana

[danaszabo]

Oops, one more question. As I am searching and trying to figure all of this out. -- I think I figured out what paperwork, etc I need to file the motion to vacate the judgment. My question now is, can the judgment even be vacated at this point? I am seeing a lot of timelines, etc in FAQ's related to vacating judgments outside of BK -- nothing pertaining directly to filing after a BK. My discharge is dated 4/2010. Does anyone know if I am outside of any timeline to vacate a judgment now? Thank you all so much!