discoversanibel asked:


How can a credit history of over 20 years only be on two of the three agency’s?

DEXTER

Brian M asked:


They were included in the bankruptcy, should I dispute them, call them and bug them to put 0 balance that I claimed bankruptcy? Any advice. I have been a member of Fico Deluxe monitering for about 2 months now, I am trying to be smarter what should I do to “clean my report” so it is accurate?
Bankruptcy was DISCHARGED in early June 07.
No the ones that are still on there are on my copy of the bankruptcy so I know they were filed on.
Sorry Answerer 2 your wrong. Most of the items on my credit report says ( 0 balance and in status it says Chapt 7 bankruptcy discharged)
Here is a link I found after posting this

http://www.moranlaw.net/creditreports.htm

*****The Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a 0 balance. FTC OSC section 607, item 6 states: “A consumer report may include an account that was discharged in bankruptcy (as well as the bankruptcy itself), as long as it reports a zero balance due to reflect the fact that the consumer is no longer liable for the discharged debt.” *****

TOMAS

Carlos C asked:


i used to be a disater when i was little and never paid on time
i check my reports i have alot of them is there any way to get rid of them

KENT

hasdad62 asked:


I have contacted both of them asking for a pay for deletion letters, and they both refused. The total of both is only 145.00. If I choose to not pay them until the 7 years is up, how will it reflect on my credit worthiness? Im in the process of refinancing my house, and if these two wont cooperate with me on getting them removed, then why pay? They are both hospital bills and 3 years old. What will it mean to my credit score this far out?

SHELBY