However, this does not mean that you never pay these debts. While discussing negotiating with creditors covered in Chapter 4, you will read how to include in your negotiated settlement a provision for how it is to be reported. To not do so can severely hurt your chances of restoring your good credit. Credit reporting agencies are empowered with governmental authority. Rather, they must adhere to the government authorities and laws overseeing their operations.
Credit bureaus are like any other business.
They buy and sell products and services to turn a profit. No special authority exists. This goes for all types of bankruptcy including Chapter 13, wage earner. Bankruptcy is not a clean slate. Every account included in the bankruptcy will be so noted in your credit file.