Hi, First, this board is pretty cool. I have been lurking for about three months and have learned some pretty valuable information. Background: Ch7 BK - March 99 discharged (medical bills totalled close to $30,000) First new credit card: Capital One, boy did I get screwed, didn't read the fine print. Lesson learned here. Charged $40, first statement there were overlimit fees due to all of there misc. fees for opening account. Disputed with them for over three months. Current Status: Charged off! (totally ashamed about this), but I was fighting on principle, or so I thought. Second: Providian, open/never late. 8/99 FCNB: open/never late 11/99 GE Capital (car loan): open/never late 10/99 Newport News: open/never late 10/00 Lane Bryant: 1 30 day late (oldest tradeline 1990) Sterns: closed/late 30 days 5/95 The rest of my accounts and judgments, except one, are listed as included in bankruptcy. That one (old bank bill) judgment I sucessfully disputed with TransUnion for a removal. Trying to get the same results with the other two. I have started disputing and have had some success. Fico score in March 2001 was 552. I suspect this to improve with the deletion of 3 judgments over the next few months (was able to negotiate for a motion to vacate) in addition to a few accounts falling off due to the 7 year clock and my accounts ageing. Question: I need creative ideas on how to dispute items that have the "included in bankruptcy notation". thanks for listening...I hope to participate in the boards more frequently. NJGAL
