Equifax has continued to report, a chapter XXXX I filed in XX/XX/XXXX, that was dismissed because I did not pursue the protection I initially asked for..That was 9 years ago ..having said that they are the bureau continue to score me in very poor credit risk debtor In low standing, although I have long ago re established .. a good payment history credit history my low credit score does not reflect my ontime bill payment.. & if credit card use & Inquiries is the standard used to dictate score.. they should " Check with those companies or 'Report ' those bill paid up as of XX/XX/XXXX ' & mainly stop reporting me as 'Very Poor ' when it comes to paying my bills & correct my score to reflect my excellent record ..