In my view, everything that was included in bankruptcy should be so listed, even if it was charged off prior to you bankruptcy. The included in bankruptcy designation shows that you are no longer legally responsible for the debt. Trade lines designated "Charged Off" typically show a balance of the amount charged off, which you are (supposedly) still legally responsible for.I would write to the address listed on the report, as follows:"RE: File No. XXXXXXXXXXXXXXXXXXI write to dispute inaccurate information on the above-referenced report. Specifically, the following accounts, which are designated "charged off," should reflect a $0 balance and/or "included in bankruptcy:CREDITOR NAME, ACCT # 1234567890CREDITOR NAME, ACCT # 1234567890CREDITOR NAME, ACCT # 1234567890Thank you for your promt attention to this matter."Equifax will contact the creditors, and, after 30 days, will send you an updated report. Most likely, some accounts will disappear altogether, because the creditor will not respond. Some accounts will be updated properly. Some accounts will not be updated based on the creditor's erroneous "verification" of the "charge off." You should then write directly to those creditors to get them to update your report properly. That process will also probably take 30 days.Time is short if you want to apply thus August, but you CAN get it done.Good luck.
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