I was wondering if anybody had any luck with American Express when disputing incorrect information. They are reporting an account that was included in our Chap 7 bankruptcy as a charge off. This account was reporting correctly as included in bankruptcy with a zero balance. All of a sudden it is now showing as charged off on all three CRA. This account was never late and current up to the point we included it with our bankruptcy filing. I called them and they just wanted to argue with me that the information was correct. Only after I threatened them with court action that they broke the law they finally agreed verbally to delete this from all three CRA. My question is should I believe them that they are going to delete this and if so, how long should I wait to see if this account will drop off of my reports? 
Comment