I had a Chapter 7 discharge in MArch 2004. How long can those credit card companies keep reporting to the Cedit Bureaus. If I fix my credit report with the correct Zero Balances and dates, can someone like First USA have it changed back to their normal "Charge Off"......even though I no longer have any business relations with them? Can they keep reporting?
Try using the search function on the site. It will help in answering most of your questions. Also read the "new member must reads" GOOD LUCK!!!