Hi, I'm trying to clean up my credit reports after filing bk last year. It was discharged on 04/2012 chapter 7. I noticed that in all 3 of my cr, all of the accounts that I included in my bk are showing just that except for an old best buy account that I had. I disputed it with all 3 bureaus and all 3 reports show that debt as a negative account with "payment after charge off/collection". All 3 bureaus are reporting that I disputed the charge and that I disagree with the results. I did not make any payments towards that account once I decided to file for chapter 7. With this account reporting as it is, how much of a negative impact is it having on my score? Is there a way to have it removed? I'm currently in the 630's on both fico scores sold here and trying to rebound back into the 700's. Any advice is greatly appreciated!
I did dispute it already. Instead of stating "inluded in bk" it says "payment after charge off/collection. I'm not going to pay for something that was included in my bk. Anyone have to deal with something like this before?