Does anyone have any ideas or suggestions on how to dispute items on a credit report that show "included/discharged in bk". I have tried the not mine approach and they keep coming back verified. I would love to hear ideas on this. I am looking to improve my score within the next six months so I can get a good rate on a mortgage. Right now I have a 557 with Experian and a 534 with Equifax. Thanks for your help.