I am new to this board and absolutely love it. It has inspired me to post a message to get some feedback. Please answer the following questions if you can. 1. If you filed bankruptcy and your debts are listed on your credit report as "included in bankruptcy" could you dispute them? 2. Does anyone have the retention number to FCNB? I would like to ask for an increase. 3. What's the best secured card out there? Thanks for your help.