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Will doing this risk reinsertion?


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My spouse has a couple of Credit Union accounts that are reporting improperly. They were discharged as part of a Chapter 13, but they are still reporting as currently active. One of the accounts is even reporting as FP (failure to pay) for the last 6 months, which I know is seriously affecting her score on that report. I want to contact the creditor to have them correct the information. However, these two accounts have been completely deleted from one of my CRs and are showing properly on the other two. If I contact the creditor, will I risk reinsertion on the CR of mine that has them deleted? Would the best course of action be to just attack the CR directly?


Any advice would be extremely helpful! Thanks!

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