Hi, I know...I have alot of questions this morning. However, the increase in my score and the ability to payoff some of my debt is inspiring me. Anyway...I have several accounts on my report that say "included in bankruptcy" and I believe all of them are "unrated". If "unrated" accounts are not factored into your scores should I even bother disputing. The bankruptcy public record is on each of my reports with all the accounts showing "included in bankruptcy" and the balances are $0. I feel a little foolish disputing as not mine. Any suggestions or comments are welcome. nj_newbie
