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