My Experian Report

Discussion in 'Credit Talk' started by gagliano3, Sep 9, 2003.

  1. gagliano3

    gagliano3 Well-Known Member

    My wife and I filed for Bankruptcy on April 7, 2003 and it was Discharged on July 23, 2003 We need your advice how to fix this because we want this to be accurate and we want to get mortgage in about 2 years.

    Experian for Thomas

    Report Date: September 03, 2003

    Potentially Negative items Listed
    -----------------------------------------------
    Public Records: 1
    Accounts with Creditors and others: 8

    Accounts in good standing: 15

    Information affecting your creditworthiness
    -------------------------------------------------------------

    Public Records
    ----------------------

    US BKPT CT
    Date Filed: 4-2003
    Date Resolved: 7/2003
    Responsbility: Joint
    Claim Amount: $0
    Liability Amount: $0
    Status Details: Chapter 7 bankruptcy discharged. This item is scheduled to continue on record until 4-2013

    Credit Items
    ------------------

    BANK OF AMERICA

    Dated Opened: 6-2002
    Reported Since: 6-2002
    Date of Status: 6-2003
    Last Reported: 8-2003
    Type: Revoling
    Terms: NA
    Monthly Payment: $0
    Responsibility: Indivdual
    Credit Limit or Original Amount: $1,000
    High Balance: $1,069
    Recent Balance: $0
    Recent Payment: 8-2003
    Status Detail: Included in bankruptcy/past due 60 days.
    Account History: 60 days as of 5-2003 30 days as of 4-2003 Discharged Through BK Ch 7, 11 or 12 on 06/29/2003
    Creditor's Statement: "Account closed at credit grantor's request."

    (I left it bank) CREDIT UNION

    Dated Opened: 5-2000
    Reported Since: 5-2000
    Date of Status: 8-2003
    Last Reported: 8-2003
    Type: Revolving
    Terms: NA
    Monthly Payment: $0
    Responsibility: Joint with (wife)
    Credit Limit or Original Amount: $5,000
    High Balance: $5,222
    Recent Balance: $0 as of 8-2003
    Recent Payment: $122
    Status Detail: Open/Current, was a charge off
    Account History: Charge off as of 7-2003, 6-2003 180 days as of 2-2003 to 5-2003 150 days late as of 1-2003 120 days as of 12-2002 90 days as of 11-2002 60 days as of 10-2002, 9-2002

    (I left it blank) CREDIT UNION (This is actually a Overdraft Protection for our checking account)

    Dated Opened: 11-2000
    Reported Since: 11-2000
    Date of Status: 8-2003
    Last Reported: 8-2003
    Type: Installment
    Terms: 10 months
    Monthly Payment: $0
    Responsibility: Individual
    Credit Limit or Original Amount: $1,000
    High Balance: $1,000
    Recent Balance: $0 as of 8-2003
    Recent Payment: --
    Status Detail: Account charged off/past due 120 days. $1,000 written off.
    Account History: Charge off as of 8-2003 120 days as of 7-2003 90 days as of 6-2003 60 days as of 5-2003 30 days as of 4-2003

    HFC (Note Loan)

    Dated Opened: 10-2002
    Reported Since: 11-2002
    Date of Status: 7-2003
    Last Reported: 7-2003
    Type: Installment
    Terms: 60 months
    Monthly Payment: $167
    Responsibility: Individual
    Credit Limit or Original Amount: $6,000
    High Balance: NA
    Recent Balance: $6,328 as of 7-2003
    Recent Payment: --
    Status Detail: Open/Past due 150 days. $839 past due as of 7-2003
    Account History: 150 days as of 7-2003 120 days as of 6-2003 90 days as of 5-2003 60 days as of 4-2003 30 days as of 3-2003

    HHLD Bank (HPSHopping.com)

    Dated Opened: 9-2001
    Reported Since: 3-2001
    Date of Status: 8-2003
    Last Reported: 8-2003
    Type: Revolving
    Terms: NA
    Monthly Payment: $0
    Responsibility: Individual
    Credit Limit or Original Amount: $2,309
    High Balance: $2,309
    Recent Balance: $0 as of 8-2003
    Recent Payment: --
    Status Detail: Petition for Chapter 7 Bankruptcy/Account charged off.
    Account History: Charge Off as of 8-2003 150 days as of 7-2003 120 days as of 6-2003 90 days as of 5-2003 60 days as of 4-2003 30 days as of 3-2003, 11-2002 Filed Chapter 7 Bankruptcy 08/20/2003
    Creditor's Statement: "Account closed at credit grantor's request."

    HOME DEPOT/MBGA

    Dated Opened: 5-2000
    Reported Since: --
    Date of Status: 7-2003
    Last Reported: --
    Type: Revoling
    Terms: NA
    Monthly Payment: $0
    Responsibility: Individual
    Credit Limit or Original Amount:
    High Balance: NA
    Recent Balance: $1,992
    Recent Payment: $0
    Status Detail: Included in Bankruptcy.
    Account History: Discharged Through BK Ch 7, 11 or 12 on 07/29/2003

    PROVDN BNP (This one wasn't included in Bankruptcy because it's paid in full long time ago but I was never late on this!)

    Dated Opened: 7-1994
    Reported Since: 8-1994
    Date of Status: 4-2002
    Last Reported: 5-2002
    Type: Revolving
    Terms: NA
    Monthly Payment: $0
    Responsibility: Indivdual
    Credit Limit or Original Amount: $5,000
    High Balance: $5,097
    Recent Balance: NA
    Recent Payment: NA
    Status Detail: Closed/Current, was past due 30 days.
    Account History: 30 days as of 1-1999, 12-1998, 10-1998, 9-1997, 3-1997
    Your Comment: "Account closed at consumer's request."

    SEARS

    Dated Opened: 6-1996
    Reported Since: 6-1996
    Date of Status: 4-2003
    Last Reported: 3-2003
    Type: Revolving
    Terms: NA
    Monthly Payment: $0
    Responsibility: Individual
    Credit Limit or Original Amount: NA
    High Balance: $1,780
    Recent Balance: $0 as of 3-2003
    Recent Payment: --
    Status Detail: Included in Bankruptcy/Past due 30 days.
    Account History: 30 dats as of 3-2003 Discharged Through BK Ch 7, 11 or 12 n 04/29/2003


    Rest of accounts are in good standing, all accounts were closed long before filing for bankruptcy

    Requests viewed by Pthers, creditors may view these request when evaluating your creditworthiness... (This is not what I requested!!!!!!!)

    Source: CIT ONLINE BANK/DFS
    Date of Request: 8-12-2003
    Comments: Permissible purpose. This inquiry is sheduled to continue on record until 9-2005

    Source: HFC
    Date of Request: 3-24-2003
    Comments: Comments: Permissible purpose. This inquiry is sheduled to continue on record until 4-2005
     

Share This Page