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)