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Hi,
I pulled a copy of my CR from the Annual report and I see the informations on Experian. In the Report Summary it says I have 1 potential negative items, and 7 other accounts in good standings. I don't see any of those accounts which were discharged through the bk. Does it mean those got removed? This negative item shows that it had got discharged in bankruptcy (Chapter 7). However, the negative will remain on the report till 2012.
I disputed this online because this was paid in full in 2004. Now my credit score is around 695 as per the mortgage lady. But i guess the bankruptcy status is killing the score. What should I do? I should dispute BK? or should I use Lexington law firm or what are my options?
Thank you so much for your help
bankruptcy and credit report
Hi Jaylynn,
I don't see any of those accounts which were discharged through the bk.
Can you be more clear on what do you mean by this? These accounts are there on your report, right?
As for the negative item, you will have to request the creditor or collection agency whoever is reporting the item to update this. Can I know if you have the payment receipts as proof? If this does not work file dispute with the credit bureaus.
Thanks,
Aaron