How can I fix this Student Loan Issue?

[sjcmCA]

I didn't include "Student Loan Account" in my ch7 petition per my attorney's advice.

However, the studen loan account is shown as "IIB" and "Derogatory - Balance $0". There is a credit card account with the bank that's why they applied IIB to my student account as well.

I know it's wrong since the student loan won't be discharged.

Will it return to the normal account when my case is discharged? or I need to dispute this through three Credit Bureaus? (The account is current though)

There is a co-signer for this student loan account so I don't want to hurt his credit due to this issue.

Is there any similar experience or way to fix this problem? Thanks in advance.

[HHM]

Technically, it is NOT WRONG. Even though your student loan is not discharged in BK, it is still accurate to say it was included in bankruptcy. The co-signers credit should not be affected, but if the BK remarks end up on that persons credit report, they would need to dispute the entry on their credit report.

Also, I wouldn't worry about it too much anyway, student loans have a minimal impact on your credit score. Reason being, your credit worthiness has nothing to do with your ability to get a student loan. So the FICO people do not meaningful calculate a student loan into your credit score.

[sjcmCA]

Technically, it is NOT WRONG. Even though your student loan is not discharged in BK, it is still accurate to say it was included in bankruptcy. The co-signers credit should not be affected, but if the BK remarks end up on that persons credit report, they would need to dispute the entry on their credit report.

Also, I wouldn't worry about it too much anyway, student loans have a minimal impact on your credit score. Reason being, your credit worthiness has nothing to do with your ability to get a student loan. So the FICO people do not meaningful calculate a student loan into your credit score.

Thanks so much for your help, HHM. It's very helpful to know!