On the trade lines you are unable to get deleted--Yes, you want it to say "included in bankruptcy". And make sure that any creditor who adds that notation resets your balance to Zero. Also watch the dates they put--it should be the same as your BK date--they will try to get away with putting the date they received the notification from the court.They will do almost anything to keep it on your CRA longer!
I would try to dispute the CA's and collection accounts first if they are not notated. I filed my chapter 7 October 13. The public record is on all 3 of my CRA's. Only 2 of my creditors have put the notation "included in bankruptcy" on my reports. Two of the collection agencies 'verified' to the CRA when I disputed--which actually puts them in violation right now because when they verified they did not notate the BK and left the balances the same. If I cannot get them to delete(I have VOD'd them) I will bring their violations to their attention.
The problem with the "included in bankruptcy" notation is that it makes it very difficult to dispute since you essentially claimed that debt as yours when you listed it on your BK. The other thing to consider is that your BK effective date is more recent than the date of your last payment----When the "included in bankruptcy" is notated that resets your 7 year period to the date of your BK--NOT what you want! It makes ALL of your negative accounts look recent. I had a large charge off $15,000 that was several years old--the minute the "included in bankruptcy" notation was put on it my FICO scores immediately dropped --up to 53 points. Due to the recent notation, I suppose. Originally, my scores had only dropped 10 points from the public record of the BK being entered.Now, from disputing, my scores have risen 30 points from the lowest score and about 70 points on the highest--just since I began disputing Oct 26th--and AFTER that 53 point drop(that score is now higher than when it dropped 53 points).
Don't forget--when the BK is discharged you can always dispute it too. You never know if the court will be back logged. Some people say you shouldn't do that cause you DID file-and I did at one time too. but after seeing the unethical things THEY have done to me and others--I say make them work and prove every single negative item on those reports. And you do not have to respond to any letter from the CRA wanting information that could be used to verify a TL.
Keep reading this site. These guys on here are great! They have given me lots of sound advice.
You can also check out http://www.lifeafterbankruptcy.com/
Also a good source for people recovering from BK--and no, you really don't have to buy any of his stuff. He has a newsletter, tips, and you can even email him a specific question(may take a few days though)
BTW, so far: 5 Neg deleted from Transunion, 9 from Equifax, and 9 from Experian--only 50,000 more to go! LOL hahahahha