Bankruptcy Creditor Listed As Charge Off On My Credit Report

It is legal for a creditor to report a chargeoff status on an account that you included in a bankruptcy. They can report the opening date, opening balance, terms, date of first delinquency, chargeoff status and the fact that it was included in a bankruptcy. They cannot, however, report your current balance or how much they charged off.

So even though I filed and placed them in my Chapter 7 they can still do this and have it listed as a charge off even though it was included in a bankruptcy. That just doesn't seem right at all. Not that it affected my credit score or anything. But it is not fair. :cry:

They are still bound by the 7-year rule for reporting. I take from another post that you said you filed in 2000. If the debt is that old, then it should only be a matter of months before it falls off the credit report like everything else.

Will the FICO scores be calculated on the basis of both the negative items i.e.. charged off account and a bankruptcy reported in the credit report?

I guess in the case of Alexandra, the credit scores will go further down because of the new reporting by a creditor.

My credit score hasn't changed. I thought it would but it hasn't changed.