Have ordered all 3 CRA's. First USA (2 accts) has reported on all 3, that we are: 1 time 30 dys late; 1 time 60 dys late; 1 time 90+ days late. (0n one report, it states 120 days late) Previous status: 5/01 R4, 4/01 R3, 3/01 R2 Status R5 Balance still shows, etc. I paid them last in December for January's payment. Filed Bankruptcy March 22. I know I need to get a letter out to them for this, my question is what do I say?? Can they leave all this R# junk on there?? Other creditors just say "included in Bankruptcy" and no other info pertaining to our accounts is on there. Should I expect this from them? Help! Signed, Your totally Helpless Newstdt!