Actually to be more specific.... BK ch. 7 discharged almost a month ago... I'm looking to straighten up my credit report, I joined PrivacyGuard via AOL Credit Alert which I paid $1.00 for 3 months trial. Downloaded my 3 files and 1 credit score (FICO: 513) I noticed numerous errors!!! -Previous and current addresses is mixed up! -My Date of birth at one of the credit agency is incorrect -1 or 2 account(s) aren't mine (not sure on one because it looks familiar but the amount of credit line I know isn't mine, I never had a credit line of $10,000) -There are some accounts that shows balance and quite handful doesn't note "INCL. IN BK" (I know Sharon told me that it SHOULD include in BK) some of them are "CHARGED OFF" which is really incorrect! I'm going to start disputing these (one or couple aren't in FACT mine!) and I'm going to force them to make sure other accounts are included in BK, there are other accounts that were paid off and closed before I filed for BK, these shouldn't be included in BK) Advices, anyone? If disputing them to have it all corrected... this in fact increase my FICO score? Thanks so much for your answers! Tom G.