Hi.  You don't need any ammo, my creditors were reporting 30, 60, 90 days late as well.  I filed an on line disupte and indicated no payments ever late and then put in the comments section that I filed bankruptcy in May of 2010 and am protected under the automatic stay law.  The lates were changed on my credit report.  I too paid up until the time I filed and all the late's have been removed.  I am now filing a written dispute with regards to the charge off because they just recently changed that reporting; however, they changed the reporting on the May 2010 date but it was changed just this year.  So wish me luck on that one.  I am including in my dispute, prior credit reports that show they were not reporting a charge off.  Good luck!