I have disputed many many times 2 things on my husband's experian report. They were both included in our BK 7 and are reported as charge offs. They updated one in February but put it right back in March. I sent them an intent to sue by fax about 2 weeks ago and the items were out in dispute that day. I told them remove them within 15 days or I would file. It has been 15 days and one was "updated" but it still says charge off. Now it says $162 written off with $162 balance owing. The other says we still owe 899. They were both joint accounts and my report is correct. Go figure. My husband is the one getting the loan. The other one still shows disputed. I am so fed up. We are prequalified for a mortgage based on these things being removed. I have letters from both creditors stating that they should read inc. in BK and all of our other reports are fine. I faxed a final warning today with copies of the creditor's letters. I told them I am filing on Friday. So do I file for $2000= $1000 for each item? Do I file in my state? Can I include filing fees? What should my next step be if they ignore and how soon can I make my move? Thanks, Kim
