Coming on two years post bankrupcy and time for my quarterly credit reports. Is it customary for banks to update accounts after two years post bankruptcy? I've noticed this on BOA & Citibank accts for gas cards and credit cards whether the payment history was flawless or the acct was included in bankruptcy. On all other accts the updates stopped when they were closed. Also I noticed on Equifax vs Experian, BOA shows a charge off on two CC accts on the month of bankruptcy discharge 30/60/90 charge off. Can't figure out why one CB would report a charge off and the other just showing included in bankruptcy. Thanks for any answers or comments.
For any accounts included in the bankruptcy, they should report as such- included in the bankruptcy with a $0 balance. If one credit bureau is reporting incorrectly, I would send them a letter with a copy of your BK discharge and hopefully that will be enough to get it corrected.
