car loan with balloon

They most likely pulled my DH's credit because he is the owner of the insurance policy.
I have found the number of years for the states that may be in question .
lets say I have a charge off, this was included in a BK almost 7 years ago, but this TL doesnt show included in BK, when this falls off, should I see an increase in the score
They way it is listed shows there is NO balance, because there isn't.