Hi everyone. This is my first post but I'm on here quite often reading through all of the other posts, but I haven't seen any that answer exactly what I need to know. I filed bankruptcy and I've been discharged since March 2012, and I have disputed everything in my reports so that they report properly and the only credit report I'm having trouble with is transunion. I included five accounts in bankruptcy but on my transunion report instead of them saying Included in Chapter 7 Bankruptcy, they say Unrated in the status section, does that have any affect on my score ? Another quick question I have is with my equifax. I raised my score up to a 651 and within a few days it dropped to a 642, and my fico sent me a score watch stating derogatory accounts or missed payments, and I couldn't understand why. Then I went to look at my equifax report and one of the creditors that was included in bankruptcy somehow changed their reporting status back to charge off, does this happen often cause I don't want to keep having to dispute this creditor since its bringing my score down ? I just couldn't believe that the status changed like that when I had already disputed that it say Included in Bankruptcy.
