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.  


This answer does not create an attorney/client relationship and is for informational purposes only.  We are a law firm licensed in Georgia.   A consultation with a qualified attorney in your area is required to determine specific legal advice as to your situation and applicable law. We are a law firm designated by Congress as a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.

Angie Seymour
Connect with me
Bankruptcy Attorney Serving Augusta, GA