Hello all 
I've been lurking for a while and finally joined today. My husband and I made some stupid mistakes when we got married . . . kept 'em going for several years . . . bought a house that could have been used in the movie "The Money Pit" . . . it went on for years. Bad advice and idiotic decisions from all those years ago continue to follow us around. We filed CH7 in the late 90's, but held on to the house on the advice of our attorney and family. Fast forward a few years and we filed CH13 (after a year of not being able to live in The Money Pit and renting a house while paying mortgage payments) and still kept the doggone house after the bank suggested a second mortgage to cover some of the major repairs . . . they wanted to "help" us. I'm sure you all know how that worked out 
Finally, in 2008 we had had enough. Still working with our attorney, we let the CH 13 default with only 4 months remaining because he said that we might need to be able to file a CH7 on the house to get out from underneath it once and for all. We had paid everything involved in the CH13 (we thought) in full by sending extra money, but then Household Finance came back on the auto loan and said that $1500 was still owed due to an accounting error.
Attorney contacted the bank and asked them to do a Deed In Lieu. They drug out the decision for over 6 months . . . meanwhile the bank was bought out by a different company. We finally did the DIL in the fall of 2008 and thought we could finally look forward.
For the past few years we've been working on getting our finances straightened out. Working with a budget, being adults, paying our bills, etc. We were (we now know) mistaken in believing that by not using credit for several years we could let things clear off and then begin to rebuild. After reading here, we realized we needed to pull our reports and get to work. I've printed out most of the reference threads . . . I've got several threads opened in new tabs currently . . . but there is one question that I can't find an answer to:
When I pulled our credit reports I found that the original mortgage and the second mortgage are still showing on our credit reports -- SIX TIMES. The original loan from the CH7 timeframe in the mid 90's is there . . . it was "rewritten" by the bank during that time . . . and both the orignal and the rewrite are still showing. Then the bank canged names and it was re-reported with the new account number that the bank started using (old account number with a 3 digit prefix) and the credit report is showing it as a NEW loan! This has happened over and over now until we are in the position we're currently in: showing 6 mortgages -- 5 delinquent and 1 paid as agreed . . . and the dates are wrong! The two from the mid 90's are showing dates just a few years old . . . the other 4 are showing dates for the following year. It's a mess.
Do I need to send a dispute letter for the earlier loans? They technically WERE debts, but now they're (a) duplicates of the more current reportings and (b) WAYYYYY past the DOFD delete-off stage. I'm super confused 
Thanks for any help you can offer me . . . I'm going back to searching the forums now, but figured I'd throw this out there while I was reading the other threads.