I co-signed for a loan in 1995. In 2004 I was served with a petition due to the borrower's non-payment. Filed an answer and spoke with the attorney that filed the petition. Borrower set up payment arrangements with the company (they already had a judgment filed against her) all is well. 2007, Company starts reporting delinquent payments to my credit report. Called the company and found out that the borrower had filed Ch7, still wants payment from me once bankruptcy is over. Equifax contends that they can report the account until 2009--(although it was charged off in 2002), because they go by the date of last activity. Go figure! Any suggestions?