I have found the exact opposite with Equifax. I was able to get 2 BK filings deleted from my EQ report in less than 5 months after discharge. I only have 5 negative accounts from the BK remaining on that report. Use the online dispute. You can bombard them with disputes at really no cost to you. Everytime you get an updated report after a dispute, use the confirmation number on that report to start another dispute. Eventually, they won't verify something and it will fall off. Experian has been my most difficult to clear up. Thing is, that is the only report that is nearly 100% accurate on my credit history. Good luck.