My situation is that I had a loan with a cosigner, due to life happenings I had to file Chapter 7 (2 yrs ago). My cosigner has now been denied a loan due to this loan on his credit report. The problem is that I thought it was discharged in the BK. Experian lists it as 'discharged through Chapter 7 BK/Account charged off' while Transunion says 'charged off as bad debt, profit and loss writeoff'. What exactly does this mean? Exp says both discharged and charge off, while trans says charge off. I really want to fix this for my cosigner but can't figure out what to do because I don't really know what the status is, or how a discharged status vs charge off status affects a cosigner. Can anyone help?