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ThePinkFloyd

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I am a bit confused on all this. I have 5 derogatory marks that are all related to each other.
2 from a collection agency and 1 that just says circuit court and two from bankruptcies, a chapter 7 discharged in 2008 (why is this still on there?) and a ch 13 discharged in 2014. The two collections were included in the ch 13 and both show $0 balance and open(why are they on my report?) and the circuit court thing shows no date or any company. How do I get these all cleared up and if the two collections were included in the ch 13 and paid, then why are they still on here?

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chap 7 BK's stay on your credit for 10 years. BK 13 stay for 7. the accounts that were satisfied show zero balance, so they are not wrong, they are correct. negative accounts will stay for 7 years from original deliquency. 

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