My wife and I filed a CH.7 in July 01, discharged in Nov. 01. Pulled a copy of her EQ report and was dumfounded!! In the top part of her report it states that no public records or BKs on file. Yet as I scanned the report 4 accounts had the statement " included in BK ". Her FICO is 588. There is a collection account reported twice on this report. I want to dispute this. My question is if I dispute, will they discover a BK happened and list it. What would you do with the 4 accounts that read " included in BK " already? How would you handle to raise her FICO score? Should I dispute these accounts that show " included in BK " since the BK isn't listed? Or will this upset the apple cart?
