Do I actually have a foreclosure on my credit report? My chapter 7 BK was discharged 7/10/07. My credit scores are in the Mid 650 range. The actual information reported on my credit report is as follows: My Equifax reads: Chase Manhattan Mortgage - status: Account included in bankruptcy; type of loan-conventional Re Mortgage; Whose account-joint account; Additional info- BK chapter 7 Experian reads: Type-Mortgage; Terms-2 years; Responsibility- joint; credit limit-$89,000; High Balance-$0; Recent Payment-$0; Account History- Debt included in Chapter 7 Bk 7/10/07; Status-Status: Discharged through Bankruptcy Chapter 7/Never late. Status Details: This account is scheduled to continue on record until Nov 2013. This item was verified on Dec 2008 and remained unchanged. Account History: Debt included in Chapter 7 Bankruptcy on July 10, 2007 Transunion Account - They deleted this account from my report. It no longer reported
