Pulled a credit report - should I deal with this or wait

[sophieanne]

Hi everyone,

My chapter 13 (filed with my dh) was confirmed in September (we filed in July). Just out of curiosity to see how things were looking I pulled our free credit reports and even looked at Credit Karma. Everything looks correct (showing we filed bankruptcy) except for our Sears card. My husband was the primary cardholder and I was an authorized user. Anyhow his account shows that he is in bankuptcy. My account (on all the reports) show the account is open and I haven't paid in the last 4 months. Should I report this to anyone, or call Sears or just let it go for now.
Thanks for your any answer i can receive.

[forgotten]

I would not bother anything until at least 6 months prior to the end of your bankruptcy. Many people would even suggest 6 months after the end of the bankrutpcy. 6 months after will be easier on you, it gives time for everything start reporting correctly after your discharge. For me, I want to try to get it cleaned up the best I can right away so I am going to start 6 months prior.

However, right now it does not really matter what your credit says. You are not allowed to get new credit anyway, don't worry about the report.

[sophieanne]

Thank you very much..

I've always been such a stickler for details; I've been learning a whole new (patient) lifestyle since filing.

I appreciate your rsponse.