Quick question on proper reporting for a debt included in chapter 7 back in March 2010.
RJM Acquisitions (for a Target card I had) - Previously it stated included in bankruptcy with zero balance and closed. It didn't seem to be hurting me much at all (black check mark on experian). It has stated "No data" since June 2010. I got an alert today that my score has dropped 12 points because the status now reads "key derogatory." Can they do that two years after? It makes it look like it's a new bad debt. I want to dispute but am not sure if that's an ok thing for them to do.