FUSA still has their 120+ on there, even though they changed the amount to zero and indicated Discharged in Bankruptcy. They also threw in "Closed at Credit Grantors Request". Well, DUH! No other creditor did that! Jerks! What gets me with them is we called in January before our payment was due and explained our situation and that we needed to work something out. They said "sure, we can get your payment down to XX amount, we'll send out the paperwork in 7 days. Well, that time goes by and we get nothing, so we call after giving them one more week just to be sure. This time they say, "oh, that payment plan wasn't approved so we're not going to be able to work with you". Never contacted us to let us know, etc. Shortly after that we decided to file, (march). And they now report me as 120 days late. DOUBLE DIP JERKS!!! Discover updated and still has listed "Petition for Chapter 7 Bankruptcy/Account Charged Off." I guess now I have to write to them and get them to change that. Shouldn't it read like all the rest of the reportings?? Why is it their missions to screw around with people's reports and stuff. It just seems like they prey on your inability to do anything about it as the "little guy"! Sorry to vent again. I just am beginning to think I don't have the stamina for this, may need to talk to Bill. Newstdt Feelin the effects of "after credit dispute shock"