By all means TU is the most dificult one for me to deal with. (at least based on my experience). After about 6 months of cleaning all the errors on my credit reports I started doing the same for my gf. she has a BK7 dismissed december of last year. First round of disputes went off couple of weeks ago and today she received results from the TU. 3 accounts deleted, some verified. Kind of what I expected. But here is what shocked me. There are some accounts listed as charge off. We disputed them as 'not mine'. figuring if they go away good, if they are updated as 'included in bk' it's a first step and we'll continue working on them. but 2 of the accounts that were included in the bk came back as 'verified, no change' and remain listed as 'charge off' How is this possible? If they really verified these accounts shouldn't they be updated as included in bk? What do I do now? I don't want to send them any information or even state that they were included in the BK. What do you all suggest we do in this situation? I am thinking of sending them the procedural request, but I am sure they will just send the standard form letter.
