My GF filed a CH7 BK and it was discharged Dec 2002. Most of the accounts are still reporting on CRAs as Charge Offs. She (I) disputed some of these accounts as "not mine" but they all came back verifed. One of them we disputed in the second round as "balance is incorrect" and it came back verified. How do you make a CRA to update the record to "Included in BK" without sending them BK papers? Since it was ruled that reporting to CRAs constitues as credit collection activity and creditors are not allowed to try to collect when under the BK protection, do you think that creditors are violating the BK laws by reporing information to CRAs? Also what about reporting inacurate information such as "charge off" status.
