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It must have fallen off either Saturday or Sunday.....

The reason that I suggest this is that the bankruptcy is noted in the TL already.

The only reason why I asked is because the report I printed had a summary of accounts that are currently late, and this one came up. I still don't understand why, but it sounds like it was just a glitch in the site I downloaded from, not an indication of what the CRAs believe. The card is closed, and I have no desire to keep a positive relationship with the OC, so I'll treat it just like my other OCs with collections by writing them a validation letter.

There are some that do not report as "secured". Perhaps a search will turn them up.

3. go to small claims court