My wife's 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' Wife

    Report Date: September 03, 2003

    Potentially Negative items Listed
    -----------------------------------------------
    Public Records: 1
    Accounts with Creditors and others: 5

    Accounts in good standing: 13

    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: 11-2001
    Reported Since: 12-2001
    Date of Status: 5-2003
    Last Reported: 8-2003
    Type: Revolving
    Terms: NA
    Monthly Payment: $0
    Responsibility: Individual
    Credit Limit or Original Amount: $4,000
    High Balance: $4,412
    Recent Balance: $0 as of 8-2003
    Recent Payment: --
    Status Detail: Included in Bankruptcy/past due 150 days.
    Account History: 150 days as of 4-2003 120 days as of 3-2003 90 days as of 2-2003 60 days as of 11-2002 to 1-2003 30 days as of 10-2002 Discharged Throught BK 7 Ch 7, 11 or 12 on 05/13/2003
    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 (husband)
    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

    CAPITAL ONE

    Dated Opened: 7-2001
    Reported Since: 7-2001
    Date of Status: 4-2003
    Last Reported: 4-2003
    Type: Revolving
    Terms: NA
    Monthly Payment: $39
    Responsibility: Individual
    Credit Limit or Original Amount: NA
    High Balance: $1,327
    Recent Balance: $1,327 as of 4-2003
    Recent Payment: --
    Status Detail: Open/Past due 120 days. $112 past due as of 4-2003
    Account History: 120 days as of 4-2003 90 days as of 3-2003 60 days as of 2-2003 30 days as of 1-2003, 12-2002

    CAPITAL ONE

    Dated Opened: 11-2000
    Reported Since: 11-2000
    Date of Status: 6-2003
    Last Reported: 3-2003
    Type: Revolving
    Terms: NA
    Monthly Payment: $0
    Responsibility: Individual
    Credit Limit or Original Amount: NA
    High Balance: $1,021
    Recent Balance: $0 as of 3-2003
    Recent Payment: --
    Status Detail: Included in Bankruptcy/Pass due 120 days.
    Account History: 120 days as of 3-2003 90 days as of 2-2003 60 days oas of 1-2003 30 days as of 12-2002, 11-2002 Discharged Through BK Ch 7, 11 or 12 on 06/30/2003

    RNB - MERVYNS

    Dated Opened: 11-2002
    Reported Since: --
    Date of Status: 8-2003
    Last Reported: --
    Type: Revolving
    Terms: NA
    Monthly Payment: $0
    Responsibility: Individual
    Credit Limit or Original Amount: $704
    High Balance: NA
    Recent Balance: $704
    Recent Payment: $0
    Status Detail: Included in Bankruptcy
    Account History: Discharged Through BK Ch 7, 11 or 12 on 08/16/2003


    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: BANK OF AMERICA
    Date of Request: 10-24-2002
    Comments: Comments: Permissible purpose. This inquiry is sheduled to continue on record until 11-2004
     

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