I had to share two things -
1) I got the problem solved with True Credit. It was my discover card. For whatever reason, it was causing me a problem and I only thought of it because it was causing the same problem when I tried to pay my Verizon bill with it. Changed the card, and lo! I've got credit monitoring.
2) Did the dispute on the old accounts included in the BK7 that was filed 5/2001. My lates began 2/2001 due to job loss in Jan of that year. I got the email this morning that those accounts were deleted due to age.
WHAT a way to start my day!!
This forum has made the biggest difference for me and my family. Thanks everyone!
Starting Score: EQ 622, TU 676, EX 643 (mtg lender pulls) 2/1/12
Current Score: EQ 743, TU 775 (6/18 MyFico), EX 722 (per CITI approval letter 6/29/12 pull)
Goal Score: New goal: 760+ on all 3Take the FICO Fitness Challenge