How long after my bankruptcy is discharged do I have to include a company?

I filed over 2 and a half years ago and was discharged little over 2 years ago. My question is how long after I am discharged do I have the right to include someone in on my bankruptcy? Because 2 months after I was discharged one creditor that wasnt on my bankruptcy but I was deliquent at the time of the discharge is now reporting negative info to the credit companies.

Is it possible to refinance your home and include your car loans and credit card debt in the refinance?

With no money down? This is our first home and we’ve owned it for 4 years and looking to refinance.