On another thread you mentioned that your Chap 7 BK does not show on your Experian report. This is interesting to me. Here is why: My Chap 7 BK only shows in the public record section on Equifax. There is nothing that I can see on either TU or EX. There are however 2 or 3 BK discharged credit accounts on each report. What do your reports look like? Do you have any insight on this? I expected to see the BK on all 3 reports. Thanks.