negative accounts?

[jnnfrshw]

Just checked credit report trying to clean up after my bk. I was never late on any payments....EVER, but filed due to upcoming pay cut. Was discharged in 2011 (aka....best year of my life). On my credit report it says that I have 1 public record and 5 potentially negative accounts (one being the public record). Is it correct to report 5 negative accounts even though before the bk, I had nothing negative on any of my accounts?

Also noticed one cc company is showing charge off

So aggravating. Thanks for any help

[df04527]

Yes it is normal. Accounts are considered negative if they were included in your BK.

[jodie3134]

The accounts that you included in your bankruptcy will show as negative. As for the chargeoff, I would dispute that through the credit reporting companies. I had a few accounts that although I never missed a payment, showed as chargedoff on my report. I disputed all of them and they were all changed to "included in Bankruptcy". Its an easy process and I disputed all online.

[Logan]

Just checked credit report trying to clean up after my bk. I was never late on any payments....EVER, but filed due to upcoming pay cut. Was discharged in 2011 (aka....best year of my life). On my credit report it says that I have 1 public record and 5 potentially negative accounts (one being the public record). Is it correct to report 5 negative accounts even though before the bk, I had nothing negative on any of my accounts?

Also noticed one cc company is showing charge off

So aggravating. Thanks for any help

Hmmm. I'm assuming you had a balance on these credit cards and you discharged them due to bankruptcy? I'm not sure what you thought would happen to these accounts but one thing for sure is NOT paying you debts is a negative and that's exactly what happens in BK.
Logan