Post 341..credit report seems inaccurate..

[Rob517]

I decided to have a look at my credit report since I had filed almost 2 months ago. Had my 341 a little over a week ago. While looking at my credit report I noticed all the accounts were "included in bk" except the personal loan I had at a credit union. They are still showing "past due."

I know for a fact that they were notified of my bk because they sent a rep. to question me at my 341..LOL So why does it not show "included in bk" like the other accounts?

Second is that I originally planned to reaffirm my auto loan but it shows "included in bk" like all others. Is that the normal way it will show on a credit report even if you're reaffirming?

Rob

[DiamondsR]

I looked at my credit report yesterday and although most creditors had already placed a notation of "Included in Bankruptcy", three still stated they were past due. The company, Santander/Drive Financial, that I was trying to re-affirm the car loan with had a balance of 0 and said it was included in the Ch 7 so that's a little worrying.
I decided to call them and had four different reactions
1) Oxford Collection, which received the account from Bank of America the first week of December, was really rude. B of A showed up as included in bankruptcy but I was told by the rep, and I quote "We've got up to 60 days to tell Experian so don't get your panties in a knot just because you're a deadbeat".
2) Seattle Met Credit Union said they would "get around to it sometime next week".
3) Elliott Adjustment Co said "you're credit is going to be crap for 10 years so why are you worried"
4) Capital One said that once I have received a discharge, the credit reports should reflect that the bill was included. They were the only ones that were civil to me when I called (although the answer is bs).

I can't wait to contact all of them after the 341 Meeting and eventual discharge.

/OT I am so glad I found BKforum. I feel like I've rediscovered my sanity here and know I'm not alone. From declaring Ch 7 to seeing I'm not the only person with a parent who abused my credit to returning to dating with a bk, this place is wonderful

[whipster1]

My report still changes every few weeks cuz it seems creditors have no clue how to report a BK. I am disputing everything that isn't IIB/Zero balance. A few are saying charge-off, still showing a balance etc. I even had a stupid local CU pull my credit! They removed it after a nasty letter to the CEO...

[mami2four]

I think the best thing to do is wait till your discharged and then pull a report, a lot of things will change between filing and discharge