I have disputed citibank 2 times now on ex. all is correct on it except they have my ch 7 bk listed as 2/28/03 when it was 2/28/98. and they are still updating every month that i owe $0. first disputed as not mine then as incorrect date of bk. still they verify it. what do i do now?? im not sure if it is making my score lower or not. cherek88