I am not in debt I just have bad credit/bad information on my reports & no clue what to do or how to do it.Ive read books & checked out numerous sites but get so confused & the amount we are dealing with isnt huge so most of the stuff I read doesnt apply to me.
I make a very good income($40,000 +)have no credit cards or loans etc or anything.Just a car payment that I pay on time every month.I also have TWO successfully paid off mortgages on my CR & one revolving account that was paid off & closed.My score is in the 500's & Id love to build it up!
FROM WHAT I CAN SEE whats hurting my score the most are accounts that were discharged on a 2004 bankruptcy but are still showing up ,FOR INSTANCE, a First Premiere credit card . They are showing it opened in 2007 & closed in 2008!They are showing two diff accounts *HOWEVER* I only had one & it was discharged on my bankruptcy! I also have a Fingerhut account that was opened at an old address!!!!No clue how to fight that as its at my former martial residence but *I* didnt open it/use it & just found out about it!
I also have an $81 check my ex wrote that bounced,its showing up on my report!Theres also a phone bill thats not mine & two "mystery accounts"that I cant figure out WHAT they are but going by the dates they were opened in a state I no longer live in AFTER I left. I also have a a social security number thats incorrect(digit off)as well as wrong addresses and employer..............is it as simple as contacting the CA's & requesting an update? What do I do about the bankruptcy "re-aging"accounts? Is there a reputable service out there can help me or do I have to do this by myself??
ID REALLY APPRECIATE SOME HELP! PLEASE!!! C'MON! 9 views and NO replies??? NOBODY can help?