I filed BK7 in 2001, discharged 2002 and the accounts have just now started showing 0 balances. If you have disputed with the bureaus and they have done nothing, send them a copy of your bk discharge letter and the rest of the papers. I just got a letter yesterday telling me to send them a copy as further proof that accts. listed should be at $0 and listed as "included in Chapter 7 Bankruptcy".
