1993-94 I filed bankruptcy. pretty well with my remaining and new credit cards

Quoting Real Live Human
I have always had problems with credit. In about 1993-94 I filed bankruptcy. I did pretty well with my remaining and new credit cards from the bankruptcy until 2000, when I had a major upheaval and was not able to pay anything. I did the worst possible thing and have ignored everything for almost 6 years. Now I want to try to clean things up. I got one credit report from equifax.
Here are my questions:
a.. I have a couple of department store accounts that are listed as "Included in Bankruptcy," with the Date Reported column reading "6/2004" However, under Public Records it says "You have no bankruptcies on file." Can I dispute those and get them taken off since it has been more than 10 years since the bankruptcy?
b.. I have two accounts in collections, one for $201 and one for $1,742. I have received recent letters from each of these firms offering to settle the accounts for about 50% of those balances. Do you think if I call them and ask to settle for a lower amount that they might accept my offer (say 30-40%)? If I pay a portion of the full balances, will they be obliged to remove the bad credit reference to my reports? Do I wait after paying and then have to dispute it or are they supposed to "automatically" remove it?
c.. I have one judgment filed against me that I didn't even know about for a credit card for $780 from 8/2001. Will that lender be likely to negotiate a lesser amount? If it is paid, will the judgement ever be removed from my credit report and score?
d.. Finally, I have a couple of other credit cards for high amounts listed in
"Charge-off" status dating from 2000 and listed as reported as 2005 and 2006. These are not listed as in collections or judgments even though one of them is a separate account that I had with the same credit card company as the one that has the judgment against me. What is the best way to handle these accounts?
Thanks for any advice you can give me.
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a. the date on the report says 2004 for some reason. I doubt it will come off real easy but it might. You CAN dispute anything and say it not yours or out of date or anything you feel is right. If the dispute does not come out as you think is right you can add a 50 word coment to the entry. This comment will not help your score.
b. Of course you can try to settle for less. Of course. They may or may not do
it. If they do expect to have your account redated. Do not expect the account to be REMOVED. It show paid. Thats it. It will not help your score if this is the case.
c. Judgement are matters of law. The acount will stay on your report for 10 years past "date of last activity" no matter what.
d. Again judgements are impossible. Matters of law. You moght find the account listed twice though and possibly get the charge off removed as a duplicate. Once they go to judgement it is like cemented. So do not expect much here either.
....having said all that. Know that one can dispute anything. Disputing does not
guarantee anything.
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