I was discharged from bankruptcy in 05/10. All my credit cards are showing as “included in bankruptcy” with a balance of “not available”. I’m wondering though why a card would still be reporting in 2012 if it was included in a discharged bankruptcy 2 years earlier?

Filing bankruptcy does not mean that all of your old debt is removed from your credit report.  I do not know why a creditor would change their reporting unless perhaps they have updated information.  You certainly should dispute this reporting with the appropriate credit bureau.  However, each of your debts that were discharged in a case will stay on your credit report for up to seven (7) years.  Your credit report should state these debts were discharged in a bankruptcy.  

 

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