My TransUnion 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.

    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)
     

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