Bradley Ross disputed 6 items on my TU on my behalf. Four were reverified and two deleted. We had a BK last year so a lot of this stuff is pretty fresh, but the items that were deleted were not minor items so I'm not complaining. Besides, this is not an overnight solution. Just gotta keep disputing. My question is this: we filed a Chapter 7 and for some reason, Household on my K-Mart, American Blinds, and Best Buy are showing the accounts as "Chapter 13 Bankruptcy." Bradley Ross disputed these three and they came back verified, no change. Okay, the best case is deletion, but how could this come back verified as a Chapter 13 when they were filed as a Chapter 7. I NEVER filed a Chapter 13. They didn't get deleted, but what about getting them corrected? Does an account listed as a Chapter 13 keep your score higher than it would be if I get it corrected? Also, I have not disputed anything since 1999 and I didn't hire Bradley Ross until May; these Household accounts show a reverified date of 2/2001. Where did this come from? Wait....I just answered my own question....TU never reverified the info on any of the accounts that were not deleted. Just compared the new TU to the old TU report and the last "update" dates match exactly to the "verified" date on the new report. So the "New Information Below" is not new information. Now I am even more upset. Am I reading into this correctly? Is this TU's sneaky way at getting me to reverify a BK on these accounts by changing the status to a Chapter 7? What do I do? Do I smell lawsuit against TU here? The reason I at least need the Chapter 13's changed to 7's (have my schedule of creditors) is that it is causing lenders to ask all sorts of questions. I even have one former creditor showing me filing Chapter 11 against them (a future dispute). Any advice from the Creditnet experts on the board? HELP!