Judgements, Charge-offs, Bankruptcy SCREAMING HELP!!

Can you tell me whether the charge offs and judgments are listed only under bankruptcy in your credit report or they are listed both under bankruptcy and also separately in your report? If they are shown twice in your report, you should immediately dispute it with the bureaus.

When I had Judgements/charge offs, it said "charged off" but to the right it (or on the bottom of the charge off it said "Included in bankruptcy"

Then I think it is ok. If the judgments and charge-offs are mentioned under "included in bankruptcy", then it is considered a single listing in your report and it will not affect your score twice.

Yup.. at the time (7 years ago actually.. getting ready to dispute it with Transunion in a few months to see if I can get it off... but doubt it since WI is 10years for judgements..but hey.. I can try.. lol) Anyway at the time, i had a hell of a time getting Capt updated as it still showed "Charge off" but it didn't list "Included in bankrtupcy" in fact I got a letter from them stating that they couldn't update my report until my balance was Zero. Um hello I filed bankruptcy you idiots! It is Zero. Finally after months and months of disputing, they finally decided to update it.

Just checked again. One is listed in 2 as a civil judgement. In equifax it is listed as a bankruptcy. Listed as both Bankruptcy and judgement in Trans Union. I have several accounts that say unpaid balance reported as a loss or Charged off bad debt with balances and do not show they were filed under bankruptcy. A couple also state Automated account when it was included in bankruptcy. Doesn't an unpaid balance automated account/charged-off lower my credit score more than the bankrupcy that is 2 years old.

How long ago did you do the bankrtupcy? Sometimes it can take a while for the reports to be updated. (Generally 30 days or more.)

Forgot to login. The bankruptcy is over 2 years old

If you think there is inaccurate info on your credit report(s), then dispute it with the credit reporting agency(ies). Here is the FTC page on repairing your Credit by yourself. Also, our Community's Do-It-Yourself credit repair page has a LOT of articles about different aspects of credit repair.

By the way, bankruptcy doesn't erase the history of the debt, only the owed amount. Your credit report will still show judgments, charge-offs, and defaults until the SOL period expires. For judgments, depending on your state, that can be a long time indeed. So, in this case, all 3 should show both the judgment and the bankruptcy, even though they will show the judgment as having been discharged during the bankruptcy.

But it would still be better to have the rest of your debts showing a 0 balance due to BK discharge so you have the clean slate you are granted by the BK proceedings. You have missed an opportunity to restore your credit score, within this 2 year period you could have had a score of nearly 700, unfortunately.

And, unfortunately your bankruptcy attorney did not inform you, it is not their job to double check your credit report, it is yours. You should send copies of the following to the CRAs (Certified Mail, Return Receipt Requested) ASAP:

* Discharge of Debtor and Order of Final Decree
* Notice of Bankruptcy Case Filing (attached to the front of your petition)
* Schedules D, E and F of your bankruptcy petition, together with any amendments of said schedules

Experian
PO Box 2104
Allen, TX 75013
Equifax Information Services
PO Box 105873
Atlanta, GA 30348
TransUnion
PO Box 1000
Chester, PA 19022