Charge off question

[Mayo]

I included a bank credit card in my chap 13 in 2007. They never made a claim in chap 13, and never got any money. My credit report lists them as a charge off in June 2008.

Status:
Account charged off. $8,778 written off. $1,280 past due as of Jun 2008.


Date Opened:
01/2002
Date of Status:
10/2006
Reported Since:
02/2002
Last Reported Date:
06/2008


Type:
Credit card
Terms:
N/A
Monthly Payment:
$0
Responsibility:
Individual


Credit Limit:
$9,000
High Balance:
$11,322
Recent Balance:
$8,778
Recent Payment:
$0


Creditor's Statement:
Account closed at credit grantor's request.


This bank has been bought out and is no longer in business. My question is will this stay on my credit report as a charge off, or can it be changed to included in bankruptcy or discharged in bankruptcy?.

[lrprn]

Dispute it with the three credit agencies first. That might do the trick since they can also see the Ch 13 was filed.

You said you filed in 2007. Has your 13 been discharged yet? If not, when will you be discharged?

[Mayo]

My 13 was completed this month. I am waiting on the discharge.

[katztoo]

I had one card do that and I challenged it with all the credit reports and they changed it to included in 13. It also made my score increase in the next month. I know I'll have to continue to monitor this though so they don't report it wrong again.