Filed BK(7) 2 years ago. Opened 9 positive accounts since the Bankruptcy. Closed 2 of the positive accounts. Balances total around $130 on all of my accounts. My open credit lines are around $7500. I have never been late since the BK(7). TU and EQ are close to 700 right now. I have disputed many items over time and have had pretty good success. THIS MAKES NO SENSE AT ALL! I read my Experian report from CreditExpert and from MYFICO frontwards and backwards several times. Pulled both today. I have No balances or late updates from my accounts before the Bankruptcy. I also have several older positive credit accounts before the bankruptcy that are still listed on EXP. What is EXP doing to the reports lately? Maybe it is this, When items are disputed they are either deleted or updated. EXP does a horrible job reporting date of status, date opened, and also reported date. EXP doesn't really show date of last activity either. Not to mention that they really don't verify everything either but thats another subject. Is this possible with EXP? When a item is updated and verified the account is being reported as if the late activity just happened? Here is a personal example, I have an account that went bad in early 1997 and have not made a payment on it since then. I filed BK(7) on it in 2001. It has been reported as a charge off always since the BK(7). The account is due to fall off in early 2004 because of the 7 year deal. I have had a really hard time getting this one account to fall off of the EXP report. I don't advise this but I finally got sick of it and disputed it as Discharged in Bankruptcy. I figure the acount would fall off within 6 months that way or it would be updated to say included in Bankruptcy or the account would be deleted at that time. The account has come back updated and verified TWICE no changes, charge off. The creditor says it was sold to collections so they won't change the past information. Because it was a charge off before the bankruptcy. I believe now that Experian updates these accounts as checked and verified and counts it as a late as of this month. I don't have this problem with Equifax or TransUnion. They count the lates when they actually happen or at least what they are told. EQ and TU do not bring the late current but EXP does. I read my EXP report over and over again and only now have a FICO score of 611. There is no other explanation as to why a score would drop this low in this situation. I have done a great job establishing new credit since a BK(7) and have worked SO hard bringing up FICO scores to get a mortgage. How else can one explain that BIG of a drop after this situation? I have seen FICO scores after a BK(7) on other reports close to this with no positive accounts open that are a mess. I have cleaned up and a 611 after 2 years? EXP used to be high 600's before the last 2 rounds of disputes. I have no lates listed from the past 24 month history on the EXP report. I checked many times. Any ideas or help from someone who knows how to handle things would be great! I believe this is mostly a EXP problem with how they report and enter this but how do you explain that to a EXP employee?? Also the account is listed the last 24 months OK/UNKOWN. Any ideas????????