This is what confuses me. My ex and I came out of Chapter 13 bankruptcy in November 1999. Some of the accounts (credit cards) that were listed in the bankruptcy are not listed as being in the bankruptcy on the credit report. The other thing that confuses me - we filed for bankruptcy in November 1995 - the date of last activity rangers from 7/94 until 3/96 but a couple of them show the date reported as 7/00 or 8/00. The bankruptcy was discharged November 1999. Why are these creditors still reporting? Now that the bankruptcy has been completed, how long will it take for those items to come off my report?