I have sent the letters certified mail that I found on these boards disputing the info. My main problem is that although they have the bK date correct on all the accounts, they also have them as Charge/off collection on the same date or as much as 6 years later on the BK accounts. This obviously makes me late pays and derogatory credit showing recently. I have not had a late pay on anything in 6 years since the BK and my scores are still 575-618. Since my 1998 BK, I have bought and sold a house, 3 cars, I have 3 major cc and 1 dept store card that I have had for 20 years. I have bought and paid for furniture on credit. I have 19 perfect credit items since my BK and still cant get a decent score or rate. I have also sent the letter to all the oc's demanding the deletion of the chargeoff/collections and that they make sure all end of activity dates coincide with the BK and not later. NOW, TU has sent me 2 letters that they want me to furnish my BK papers and a list of all BK accounts because they are investigating it, they say, per my request. The thing is, they have the BK in my file along with the dates involved. I am not disputiing the BK or the whether the accounts were included in the BK. It seems like they are trying to mess with me. And isn't it there job to get this info, and if no one responds, that they must delete disputed info? So what should I do? Thanks
