Nichole Buck Admin replied

560 weeks ago

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<b>Credit</b> <b>report</b> shows 0 balance, date paid, and Charged Off as Bad Debt.? Why does my 0 balance <b>credit</b> card still show up as there still being a balance on my <b>credit</b> <b>reports</b>? If you have a <b>Credit</b> Card and 0 Balance, does it show up on your <b>Credit</b> <b>Report</b>?
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Generally speaking, upon Bankruptcy Discharge, <b>credit</b> <b>reports</b> should <b>report</b> a $0.00 balance on all debts that were discharged. They should also state "Discharged in Bankruptcy" or other similar language for each account discharged.
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Dear EIG, Experian provides a list of "potentially negative" information with your personal <b>credit</b> <b>report</b>. The key word is "potentially." Experian doesn't make judgments about the information in your <b>credit</b> <b>report</b>.
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For this reason, the balance reported in your <b>credit</b> <b>report</b> would show the balance from your most recent <b>credit</b> card statement. You'd have to wait a good 30-45 days before your <b>credit</b> score would reflect the $0 balance on the account. Hope this helps.
What is the history of this score? My recent <b>credit</b> <b>report</b> gives this full name (maybe because I got it through my lender), but I don't recall hearing this name before.
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