I have several accounts that say on my Experian/creditexpert report "included in Chapter 7 BK/Charged" off or "discharged in Chapter 7 BK/Charged off." Is this just the way they say it or do they have to take off the "charged off." I have disputed it and they say they verify the info. When I dispute(online) I say, "This was included in the Chapter 7 but never charged off, please update." Should I call or write? This is so new to me but I have to thank you guys. My Experian score has gone from 544 to 599 just since I started reading here in October.
