I filed Chapter 13 in 12/2004. I then converted to a Chapter 7, one of the creditors that was included has a judgement against

Your credit record is very likely to be correct. Money judgments can and often do survive bankruptcy, and those surviving judgments show up on a credit report. It's an easy thing to overlook in the proceeding. The debt underlying the judgment is discharged, but the judgment remains. The judgment creditor cannot collect on the debt, but the judgment remains on your credit record for up to 20 (in some states 21) years from the date of the judgment, and the money judgment may be able to be renewed for another 20 (or 21) years. This is true even though the underlying debt has been discharged in a Chapter 7 bankruptcy (Chapter 7 bankruptcy is what "BK7" means; you can get that off your credit record 10 years after discharge).

You have at least one option to get rid of the judgment: file a motion with the court where you filed your bankruptcy petition to re-open your case to remove the money judgment. The court will order the judgment lifted for good cause shown (interference with post-bankruptcy life is very often considered to be "good cause").

If going through the bankruptcy court does not work for you for whatever reason, it may be that New Jersey has in place state law that will allow you to get the judgment removed under that state law (New York, where I'm admitted, has such a law; I don't know about New Jersey).

If it is indeed true that the judgment was removed during the bankruptcy, then you need to get the credit bureaus to investigate and remove the notice of the judgment from your record. Do this by writing to all three of the major credit bureaus ( www.experian.com ; www.transunion.com ; www.equifax.com ). Inform them that this is an error on your credit record and request that they remove the notice of this judgment. They will have to investigate and verify the existence of the judgment and provide you with the results of that investigation if they end up keeping the judgment on your record.

Good luck with it!

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