car and credit report question

[B65]

We are 7 weeks discharged from a chapter 7, we checked our credit reports yesterday for the first time since we had filed. All the accounts were reporting balances to zero. My car i have a loan with capital one, we included it IB did not reaffirm and checked to surrender, we have not made a late payment...yet. It is reported in the negative items IIB. But on the positive Items they have included it with balance and showing our payments.. how can they report it 2 x and if we do surrender are they then going to show it as late payment etc etc...? We are thinking of turning it in thats why I ask..i guess I can dispute to get the account taken off maybe...

also we checked our scores with experian, we were in the mid 700's when we filed... scores are now... 660 and dh's 664 i think that is pretty good, we have already started to rebuild credit so hopefully they will not drop anymore and just grow.

[JRScott]

It might be necessary to challenge the double listing. The IIB one is correct the other is not.

[catleg]

I would let sleeping dogs lie.

[relief13035]

I'm having a blast disputing EVERYTHING POSSIBLE on my credit report. I should know the outcome in 30-45 days. Hopefully I will accomplish cleaning some items up. If not, I'll dispute some more!!