I'm hoping this avenue will be able to help me.

About four (4) years ago I filed bankruptcy due to a failed marriage. Upon discharge four of the five credit card companies began reporting my account as "Chapter 7 bankruptcy" or "Included in bankruptcy" however one creditor (First USA Bank) continues to report the account included in my BK as "Charged off as bad debt" with a past due amount listed :mad: .

My understanding is that they can not report me as "past due"? I've applied for credit since my filing and have been denied due to my "past due credit obligations" I do not have any past due credit obligations and didn't even when I filled except the two months prior to filing. I've been trying to resolve this matter for about a year and a half now however the credit company will not correct their reporting. I do not know the law well enough to site a code or write a letter that will hold weight. I currently own a home and I'm paying a higher rate primarily due to this creditor's reporting practice.

Does anyone have any assistance or recommendations for me?

Thanks! :confused:

You will have to write the credit bureaus and contest the notation, and provide proof the debt was included in bankruptcy and was not charged off. If you do nto want to write the letters, you can see about hiring a credit repair law firm to do that work for you.