Have been reading the forum after it was recommended to me after filing a chapter 7 BK in Nov. waited for 30 after the discharge then began the process of cleaning up credit reports. Started with TU. First round disputed 9 items as incorrect amount. Just got the results in the mail today ended up with two items as deleted one was a shock as it was ford moter credit and from what I have read here they can be hard to deal with. I know it could come back later if it does it better be right though. One was verfied MBNA so it is still incorrect as it was included in the BK. three where updated to show included in the BK, and the other three are sort of weird they are all actually with the same collection agency but three different accounts ( medical debt from cancer surgery all different doctors) they now say paid collection and then at the bottom where they normally put your lates and such it says payment after chargeoff/collection is this better for me than included in BK. Thank you in advance for any input and for all the help i have gotten just from reading the forum lots of terrific folks who are very knowlegable. Oh yeah as a bonus a medical judgement is now gone even though I had not included it in any dispute. rdb
