I just received my second post bk TU credit report yesterday. I'm still waiting to receive the other two. My first post bk credit reports were 61-65 days after my discharge in early December 2002. One of top "baddies" was my second mortgage that I had reaffirmed, logged in, etc. But all three of my February credit reports said variations of "included in bankruptcy" which is incorrect because I had reaffirmed it. So I called my second mortgage co. and a CSR from the bk division of the mortgage co said she would notify each CRA that it shouldn't be included. About a week (early March) later I received from the company that said they had sent a letter to each CRA to update their entry and to wait 30-45 days before sending for the next round of credit reports. I opened my TU report, looked at the second mortgage entry and it still says "included in bk", $0 balance, paying as agreed, with no "record" of payment after November 2002 (all of which this report said before), but "updated" 3/4/03. And it's still listed as a "negative" tradeline. My problem is that I have no idea what it should read but don't think it should say this. By the way, I have had problems with TU before in "delaying" to update incorrect info. If this "tradeline" is incorrectly worded, none of the "canned" disputes apply. Any ideas about to correctly word my "dispute"? Or is this the correct info on this tradeline? I am nowhere near done in my credit cleanup efforts and shall post with more questions on how best to attack my baddies within a few weeks. My second mortgage tradeline is very important and most critical.