3-4 Years ago I used this forum to clean my credit history. Thanks to all of you I succeeded. I now have scores from all three agencies in 780 range. Thank you again. But now unfortunately I have to do the same for my wife. She has a bankruptcy that was discharged 2.5 years ago (before we were married) and of course all the accounts are listed on her credit reports. Some say Included in BK, some still say Charge Off. One account (auto loan) that was never included in BK shows as "included in BK" on 2 out of 3 reports. I realize I have a lot of work ahead of me trying to clean her credit, but I was hoping someone here can suggest what is the best way to dispute those accounts. I already tried "not mine" for few of them and they all come back verified. Would the OC validation letter work in this situation? what is experience of others as related to BK related disputes? Thanks for all your help.
That is a tough one because they are not over 7 years. did you check if each / all the items and amounts are possibly incorrect?
