2nd question is i have 2 accounts listed in delinquent that were in the bankrupcy they list as installment closed balance 0 and revolving closed balance 0. In my Satisfactory accounts listing I also have 3 accounts that were in my bankrupcy. Status is revolving balance 0. I am not sure why these are listed in my satifactory list because they were part of my bankrupcy but can any of them be removed from my credit report??? They recommend closing unused accounts but they were already closed as far as I know. Appreciate the help if any.