Hi everyone! It's been so quiet here until the last couple of days, I was wondering what was going on! Well, dh and I finally broke down and got our credit reports. Actually, I got mine. The plan is to finish with mine first and then move on to put band aids on his. ;) Note: this is the legal stuff, I don't condone the all-over-fix-it-and-act-like-you-really-didn't-declare-chapter-seven kind of crapola...Well, the first one: Experian. I was able to get that one online, zip off a quick note explaining what the problems were, print it off and wait for the email from them to tell me what they found. I like that! There was a wrong old address, and three cc's that were d/c'ed in BK chp7 two years ago still said they were charged off/not included. This was bad, because it was counting against me in a way that BK should take care of. I heard back from them yesterday, checked it out (cc #1 agreed it was in BK, cc #2 stated it was still charged off, not included, so I have to write them a dirty little note with a copy of the BK papers), printed it up...man, I love the Internet most of the time... ;)Second one: Trans Union. Well, they wouldn't let me view online, which is a bummer. I had to wait for them to send it snail mail, and just got it yesterday. Grabbed my highlighter before my night class last night, and went to town. Found four cc's that don't have it marked as d/c'ed in BK. Hmm...but, I can dispute online, so I'll do that in a few minutes. The phone number they had was from four years ago, in a different state. No problem. BUT -- they did include, for free, my FICO score. I cringed, then opened it. Surprise! Not too bad, considering: 659. After I get the junk with the cc companies over with and have it all changed to the way it should be, that should increase some. Also, one nicer thing is that since we haven't had any cc's in four years, we weren't expecting to see new credit lines, etc. Well, our electric company notifies TU, and it's a glowing report -- never late for last 35 months. Yay! So, I was pretty happy with that. The last one was Equifax. They have the ability to check online, but I didn't know the answer to one of their questions, so they wouldn't let me on (I mixed up the answers to two of my student loans...go figure...). They gave me an 800 number to call. I called, the recorded voice told me to check out how to get my report online. What a crock! I'm too tired tonight to deal with that, but plan to get back with it on the weekend. So, two out of three ain't bad. I'm excited over the FICO score. I know it's not terrific, but it is better than I was expecting. Dh's scores will be next, just to make sure everything is nice and clean -- the way it's supposed to be. On an even brighter note, we're planning to take advantage of the terrific interest rates and buy a duplex in March or April. We're in close contact with the VA and our credit union to get a pre-approved mortgage -- that's the reason why I want our reports the way they should be. Like I need a reason! Ha! :)Hope everyone's doing okay. Have a great week!Kris
Kris - how did you get the Experian online report? I went to there site but couldn't find that option.Thanks
Kris - how did you get the Experian online report? I went to there site but couldn't find that option.Hi Thundarr: Here's what we did:Go to http://www.experian.com/experian_us.html On the right, there's a link for "Get Your Credit Report" (Order Now). It has you fill out a whole bunch of stuff, give your cc number, etc. Then it asks you a couple of specific questions from what they pulled (or didn't pull!) from your report. For example, they asked me who held my student loans and how much I pay a month. In dh's, they asked what mortgage company held our loan (we don't have one, which was one of the choices). It's just to confirm identity. Then, voila'! It's there!Hope that helped. If you meant TransUnion, they wouldn't let us view online, but did let us dispute online. Equifax was trickier, though. I was able to see mine online, but wasn't able to get dh's. I'm hyped. ;)Kris
Thanks Kris - I thought I might be able to view it online free, but I guess not. Have you heard anything about people having a discharge and if there were some things not discharged in the report that should have (obviously this is your situation) - what type of affect it had on their credit rating in the long term? Would it eventually go off the radar screen if you keep your credit good post BK?Thundarr
Thundarr wrote: if there were some things not discharged in the report that should have - what type of affect it had on their credit rating in the long term? Would it eventually go off the radar screen if you keep your credit good post BK?I have the same questions. It's been 5 years since our BK was finalized and I asked for 1 of our reports from Experian and there were 2 creditors that were not listed as being part of the BK that were.I will take the time to clean this up if it does impact negatively.Suzy
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