1. Should I order credit reports from the 3 CRA's now? 2. I have one foreclosure from 1998 and discharged six visa cards via Chap 7 B.K. in 1999. 7 bad items out of 32 on each credit report. How hard do you think it will be to clear these 7 items? The B.K. was done in California. Thanks. I am concerned about how recent the negative items are.