Disputes can go through a totally automated system where chase just rote verifies.

It takes time, but at this point I would do an MOV letter to the CRA.  Include the BK paperwork.

If the CRA still verifies then a 623 letter to Chase.

This has to be zero balance, IIB, dated no later than your discharge.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012 Gardening since 10/6/2012

Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 4/2/2011 EQ 682 1/14/2011 TU 665
Current Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Goal Score: EQ 700 TU 700
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