Charged off? Shouldn't it be IIB?

[demismom]

I see that my Mortgage company (through a monitoring service) has filed a deragatory remark on my Credit Report of Charged off. Shouldn't it be IIB? I surrendured the house and Included it in my Bankruptcy. Can I dispute this? I disputed another debt and the Credit Agency indicated it would stay as Charged off. So, I'm a bit confused on which is correct in which instance.

[familyof7]

You have to dispute it as included in BK. You may have to mail (certified mail) a copy of you BK papers discharge and schedules and all. To prove that is was indeed included. That should clear it up . There are laws that they must abide by. You could also call the mtg company and demand they accuratly report it because they know it was included in bk.

[LadynRed]

If the mortgage was not in charge-off status BEFORE you filed, then they can NOT report it as charged-off AFTER your bankruptcy. Even though it may have gone thru their accounting system as a write-off, they cannot report it as such on a discharged debt, it's inaccurate and a violation.

[demismom]

Thanx - no it was not in charge-off status before we filed. I will file an official dispute this week! Thanx!