thanks your alot of help!..  I just went to my credit monitoring site...it showed 8 late payments after I filed bk7 and 28 of those C/O after my bk7 was filed...Now I did however count the late or C/O showing for the month I filed ..should they be gone too? I filed 5/7/07...so I wouldn't think showing a late payment for 5/07 or those C/O would be justified ?

what do you think?