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. Trans Union File printed 9/4/2003 for Thomas Your Credit Information --------------------------------- Public Records Docket #xxxxxx Federal District Chapter 7 Bankruptcy Filing Entered 04/2003 Assets: $0 Liab: $0 The Following Accounts contain information which some creditors may consider to be adverse.... -------------------------------------------------------------------------------------------------------------------------------------------- Household Finance #xxxxxxxxxxxx Installment Account Note Loan Individual Account Pay Terms: 60 monthly $167 Updated: 07/2003 Opened: 10/2002 Balance: $6328 Most Owed: $6000 Past Due: $839 Status as of 07/2003: 120 days past due, in prior 9 months from last update 3 times 90 days. 1 time 60 days, 1 time 30 days late. Maximum delinquency of 90+ days occured in 06/2003 Household Finance (HPShopping.com) #xxxxxxxxxxxxx <<CHAPTER 7 BANKRUPTCY>> Revolving Account Charge Account Individual Account Credit Limit: $4500 Updated: 08/2003 Opened: 09/2001 Closed: 08/2003 Most Owed: $2309 Status as of 08/2003: UNRATED Bank of America NA #xxxxxxxxxxxx <<ACCOUNT CLOSED BY CREDIT GRANTOR>>> Revolving Account Credit Card Individual Account Credit Limit: $1000 Updated: 07/2003 Opened: 06/2002 Balance: $0 Most Owed: $1069 Closed: 06/2003 Status as of 06/2003: UNRATED In prior 13 months from date closed 1 time 60 days, 1 time 30 days late Maximum delinquency of 60 days accurred in 06/2003 Home Depot #xxxxxxxxxxxx <<INCLUDED IN BANKRUPTCY>> Revolving Account Charge Account Individual Account Credit Limit: $2000 Updated: 07/2003 Opened: 05/2000 Closed: 04/2003 Most Owed: $1992 Status as of 04/2003: UNRATED Sears Roebuck & Co #xxxxxxxxxxxx <<INCLUDED IN BANKRUPTCY>> Revolving Account Charge Account Individual Account Credit Limit: $1500 Updated: 07/2003 Opened: 06/1996 Most Owed: $1780 PAID OFF 12/2002 Status as of 12/2002: UNRATED ---------------------------------------------------------------------------------------------------------------------- Other Accounts are listed as paid, NEVER late (all are closed before bankruptcy)