I had some loans prier to XX/XX/XXXX thru a bank. I filed bankruptcy on the bank XX/XX/XXXX. In XX/XX/XXXX the bank is reporting if as XXXX payments received and pay status as charged off. It is hurting my credit on buying a house. Plus I am having to pay high Intrust on anything I purchase on payments. Can this bank legally do this to me.? I feel this is unfair. It should n't even be on my report at all.