I filed bankruptcy almost four years ago. I have been successful in having all negative accounts removed from my credit report, but I am having trouble with three of them from the same creditor.
The creditor is a credit union, and they are reporting three derogatory accounts to my report. I filed the bankruptcy, and the accounts are no longer being collected.
I tried submitting a dispute with Equifax, and it came back as remaining the same. I know they have the right to report this on my credit, but I know people have gotten them removed. Can somebody tell me how to get these removed from my report?
PS - after filing the dispute with Transunion, the credit union changed my report to show that I went from a $0 monthly payment, to $78. This is obviously something they did intentionally to try and bring down my score because I filed the dispute.
Any help will be appreciated.
It is shown on the other credit reports, but transunion was the only one I tried to dispute as of yet. Really need some help figuring out how to get this removed.