Q: Should a joint credit card still be reporting to Experian after a discharged Chapter 7 if only 1 person filed?

A: Yes.

A: A discharged credit card will be reported as discharged by bankruptcy. The joint person who did not file will continue to show the credit report as before.

A: When a debt obligation like a credit card is "joint", e.g., where the non-bankrupt "joiner" has signed an issuer document to be liable for the debt balance, yes, that obligation will continue to be reported to the credit bureaus for both of the joint obligors.

A: When a Chapter 7 bankruptcy is discharged, debts listed in the bankruptcy should be reflected as such on your credit reports. However, joint credit cards represent a shared responsibility. If only one person files for bankruptcy, the other account holder remains responsible for the debt.

If the joint credit card is still reporting on both credit reports, it could be because the account is still active and the non-filing party is responsible for the debt. Credit reporting agencies typically continue to report accounts that are active and have an outstanding balance.

You should check the specific terms of your bankruptcy and consult with your legal advisor to understand the implications for joint accounts. If there's an error, you may need to dispute the credit report entries with the credit bureaus. Provide them with documentation proving the discharge and outline which debts were included. This process can help ensure that your credit report accurately reflects your financial situation post-bankruptcy.