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I'm battling some similar issues - some of the accounts discharged in my bankruptcy (in 1998) are listed by SOME credit bureaus as charge-offs (in 2000). Come to think of it, you ought to get your credit report from the other two credit bureaus and look them over as well.

There isn't much difference between a bunch of charge-offs in a short period, and a bankruptcy.

There is a PROFOUND difference between a bankruptcy in 1998, and a bankruptcy in 1998 followed by a charge-off in 2000.

I'd suggest that you locate your copy of your bankruptcy paperwork, and send these creditors a letter formally asking them to correct the credit reporting. Attach copies of the appropriate pages of your bankruptcy paperwork - I don't know that this is necessary but it seems reasonable to me - including the discharge order, to prove that what you want them to say is correct. Maybe CC to the credit bureau.

There's a web site to help with composing sufficiently authoritative letters. I'll send it to you later.

Note: the person who said that things charged off PRIOR to the bankruptcy STAY charged off, was correct. But you want your credit report to show a sharp line: you were in deep trouble, you bailed out, you've kept your nose clean since. Which means that debts which were included in the bankruptcy should NOT have any history AFTER the bankruptcy.

As for the outfit that lists two separate accounts: there are lots of ways that can happen. One is to replace a lost, stolen, worn-out, or demagnetized credit card - not that this WILL produce duplicate accounts, but it CAN. Convincing them that you only had one account may prove difficult.
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