People who file Chapter 13 Bankruptcies and have a confirmed plan often face these issues
Tradelines that do not reflect payments made to the creditor in a Chapter 13 plan. Strangely some banks and creditors have no idea how to properly report an account that was included in a Chapter 13 bankruptcy. Many creditors simply report the account as closed but that is not correct either. You see, 35% of your credit score is made up of timely made payments. If a creditor reports your account as closed but is still getting payments under the bankruptcy plan, the creditor is not allowing your credit score to go up. This is just not right.
Tradelines that reflect a $0 balance due after the BK has been filed. Another thing that some banks and creditors do is report a $0 balance due after someone files a Chapter 13 bankruptcy. There are few problems with this. First, it is incorrect reporting because chances are under the bankruptcy plan, you still owe something to this creditor. A confirmed bankruptcy plan is like a new contract between you and the creditor. Secondly, if there is a $0 balance reporting, the creditor has no way to report timely made payments (see 1 above) and that prevents your credit score from going up due to the timely made payments.
Bankruptcy reporting in your public records section of your credit report longer than it should. A Chapter 13 bankruptcy may be reported on your credit report for up to 7 years and a Chapter 7 may be reported for up to 10 years.