There is a lot of information to absorb and I feel rather overwhelmed right now regarding credit cleanup. We just received our Ch7 discharge on 11/1/05. I have already pulled a copy of my Exp and Equi credit reports. There is a lot of clean up to be done. I am not sure where to start, so I'll list some of the things that I see right off the bat. Insufficient address of a place I lived at more than 14 years ago. Address mispelled, missing actual residence number. Another mispelled address was my former employer. Someone was not watching their fingers when they typed in this information. This appears on both credit reports. I have several tax liens that are reported as being paid or lifted. Dates range from 1995 to 2003. Neither report shows pay or lift dates. I've looked up the SOL for Idaho and it says Judgements are good for 5 years. I do not see anything about liens though. Most of my cc accounts are reporting as IIB, but some of them have reported a CO through the months of June, July, August AND September and I filed Ch7 in June 05. I also have 3 creditors, Nextcard, Beneficial and HSBC which are reporting as charge offs AFTER I filed Ch7, so my CRs show a revolving balance of almost $13,000 instead of 0 for all of my accounts. Where should I start first? With the wrong addresses? I do not see where the addresses are tied to any particular accounts. I appreciate your responses. Kam
