My wife's 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' wife

    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....
    --------------------------------------------------------------------------------------------------------------------------------------------

    RNB/Mervyn #xxxxxxxxxxxxxx
    <<INCLUDED IN BANKRUPTCY>>
    Revolving Account
    Charge Account Individual Account
    Credit Limit: $200
    Updated: 08/2003
    Opened: 11/2001
    Most Owed: $704
    Paid Off: 12/2002
    Status as of 12/2002: UNRATED

    Bank of America NA #xxxxxxxxxxxx
    <<ACCOUNT CLOSED BY CREDIT GRANTOR>>
    Revolving Account
    Credit Card
    Authorized 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 12 months from date closed 1 time 60 days, 1 time 30 days late. Maximum Delinquency of 60 days occurred in 06/2003

    Bank of America NA #xxxxxxxxxxxx
    <<ACCOUNT CLOSED BY CREDIT GRANTOR>>
    Revolving Account
    Credit Card
    Individual Account
    Credit Limit $4000
    Updated: 07/2003
    Opened: 11/2001
    Balance: $0
    Most Owed: $4412
    Closed: 05/2003
    Status as of 05/2003: UNRATED
    In prior 18 months from date closed 4 times 90 days, 3 times 60 days, 1 time 30 days late. Maximum Delinquency of 90+ dats occurred in 03/2003

    Capital One Bank #xxxxxxxxxxxxx
    <<INCLUDED IN BANKRUPTCY>>
    Revolving Account
    Credit Card
    Individual Account
    Updated: 06/2003
    Opened: 07/2001
    Most Owed: $1016
    Closed: 06/2003
    Status as of 06/2003: UNRATED

    Capital One Bank #xxxxxxxxxxxx
    <<INCLUDED IN BANKRUPTCY>>
    Revolving Account
    Credit Card
    Individual Account
    Updated: 06/2003
    Opened: 11/2000
    Most Owed: $703
    Closed: 06/2003
    Status as of 06/2003: UNRATED

    ----------------------------------------------------------------------------------------------------------------------

    Other Accounts are listed as paid, NEVER late (all are closed before bankruptcy)
     

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