Trying to delete items included in BK

[lccoach]

New to forum and have a few questions about removing IIB items after doing a CH 7 BK in 6/2009 discharged and a CH 13 BK in 4/2009 dismissed. I have read somethings and did followed that advice on sending in dispute letters to the 3 CRA's about removing the items that are listed negatively on my CR. They wanted me to have these items listed under the CH 7 BK and I did this for myself and my wife's CR. I sent them dispute letters with my SS no, drivers license and bank statement for address verification. I only did this for myself, my wife I didn't include any address verification. I did receive back results from all 3 CRA's and they deleted a few things on TU only.

I read the thread about "Cleaning up IIB items" and was wondering if I could still follow the steps in that sequence of if I should do something else seeing I already sent disputes into the CRA's asking them to include in my BK. I think I will follow this sequence for my wife seeing nothing has come back on hers.

Also I do have some items listed on the CR that have negative items are reported as "included in bankruptcy" (no mention of 7 or 13), zero balance and pay status of unrated.

Another is listed as included in "CH 7 BK", zero balance and "paid or paying as agreed"

Another is listed as included in "CH 13 BK", zero balance and "payment after charge off/collection"

Do I send dispute letters to the OC stating wrong info or start with not mine first?

Also can I do anything with the CH 13 BK or wait until after removing negative items linked to the BK and then try and remove the 13 BK?

I hope I can still work on these items that I sent in the dispute letters to the CRA's that I did get results back on.

[30daylate]

If these are your items, I wouldn't lie. It is illegal and will just get your letter thrown out as frivolous. If you remove all your negative items then you can go after getting the BK removed. I would also send letters to the original creditors to have them confirm that those are your debts.

[Lian]

Discharge of bankruptcy requires the credtior on any account specifically discharge to update the balance of debt owed in your CR to $0.
BK does not discharge prior, accurate reporting made to your credit file.