Hi everyone, I just wanted to take a moment and share my story with everyone. I came to this board scared and stressed but over the course of the past few months I read, read, and read and let me say this forum really helped me. Tomorrow I have officially been discharged for 1 month and I am proud to say that I have CLEANED BOTH ME AND MY HUSBANDS REPORTS UP!!!!
I have one little stinking creditor that wants to be a bone head but everyone else is reporting IIB, a lot have been deleted because they did not respond in 30 days!!! I'm just ecstatic that all of this happened for us in the course of a month. But I wanted to give everyone here credit because I absorbed all of your wisdom and your experience and I tailored them to my situation and whalllaaaa look at me now. I have one credit card on the way from Orchard and I will not be ripped off by the likes of First Premier. I'll just sit back and wait for the good offers to roll in. Oh before I forget to mention, our scores have increased like 70 points and we were way at the bottom of the credit score spectrum! I'm just soo happy everyone that as I type I'm getting all misty-eyed because this is the most wonderful feeling in the world to be debt free and to see that I have accomplished so much in just a month. I just wanted to share this with people who are going through the process now. I started disputing the day of my discharge. I disputed online and I mailed out letters. ALL I can say is thanks to any and everyone who's been an inspiration to me! 
I have one little stinking creditor that wants to be a bone head but everyone else is reporting IIB, a lot have been deleted because they did not respond in 30 days!!! I'm just ecstatic that all of this happened for us in the course of a month. But I wanted to give everyone here credit because I absorbed all of your wisdom and your experience and I tailored them to my situation and whalllaaaa look at me now. I have one credit card on the way from Orchard and I will not be ripped off by the likes of First Premier. I'll just sit back and wait for the good offers to roll in. Oh before I forget to mention, our scores have increased like 70 points and we were way at the bottom of the credit score spectrum! I'm just soo happy everyone that as I type I'm getting all misty-eyed because this is the most wonderful feeling in the world to be debt free and to see that I have accomplished so much in just a month. I just wanted to share this with people who are going through the process now. I started disputing the day of my discharge. I disputed online and I mailed out letters. ALL I can say is thanks to any and everyone who's been an inspiration to me!
...everything was great and like you ALOT was removed due to not responding with in 30-45 days. ALL was great....
As I looked into it...I saw that the accounts that were removed in 02/06(due to no reposnse in 30 days) they showed back up!!!!!! I was LIVID!!!!!!! I wrote a letter and they verified them, so I called....they told me that they are valid, my hubby "DID have an account at one point and it IS listed as IIB, and has a zero balance.....so what's the problem?" I was dumbfounded..I asked how can they do that?? It was removed yet 6 monbths later they put it back on corrected....they said cause the info they are reparting IS correct!. 
I just hung up and cried.....
all my hard work, and I was so happy....so now they keep responding "already verified". So I will wait and try again in a few months!
Tedderbear probably isn't even on here anymore. (Just saying...) 
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