Back in 2005 my wife and I filed Bankruptcy. All of our unsecured debts were included but NSCB sold my account to Pinnicale Credit Services after they recieved info about our bankruptcy. We are nearly out of the bankruptcy and have asked our trustee for permission to refi our house, which was granted. However Pinnicale reports we have defaulted on a loan. What can I do to get this off of my credit report? I have already called Pinnicale but they have never returned any of my calls.