We were forced into bankruptcy thirteen years ago after becomng disabled and losing half of our income. We were members with the ISPFCU at that time and had a couple of loans with them as well as a credit card. We reaffirmed on the one loan and pd it off. We haven’t had any dealings with them since; they removed us as members; yet they continually harass us and put bogus items on our credit report to drag our credit score down. | Disputing it is not always an option with all of the credit bureaus. Even though we have proof the current bill they have on our report is an old bill; trans union contacts them & takes their word for it that it is current.