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I am new to this board but I have been reading through the threads for sometime now. I would like advice on how to clean my report after BK 7 discharge in 01/07 filed 10/16/2007.

I have several chareoffs that were not chargeoffs before I filed Bk7, now they are. I have read that is illeagal so do I send a C&D letter to creditor informing them of their BK violation and informing them of my ITS or do I first dispute with the Credit Bureau's telling them to change to IIB, zero balance, and no other derogatory info? except what was there before 10/16/2007

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