I should probably search more, but where I live I'm lucky if I can get 28K so it takes forever. My wife and I are 1 year post bk. Her score is over 700 and receives credit offers all the time. We both had 4 or 5 credit cards that survived the bk and have been responsibly using them to rebuild our credit. We also refinanced our home at a rate of 5.75- 10 months after bk. My score was 570 last september, 630 in January and now 627. The finance company said I needed to address my credit report because a company was still putting derogs on my record. I found out it was Citibank - The still list it as a charge-off and last late payment notice was last month. Is there a form letter I should send to citibank? What should I say? I know to send it certified mail.
I would dispute it with the CRA first. Hopefully the most simple straightforward way will get it taken care of.
