Credit Report Confusion!!!

Hi Everyone,

Im just starting this credit repair journey, and im already overwhelmed by my and my husband's credit reports!

TU doesn't even list "dates of status" ...so how do they calculate the beginning of the 7 year reporting period? How can I find out what the correct dates of status are?

I have plenty more questions, but i'll start with this one first, otherwise my head will probably pop!!! (LOL)

Any and All input welcome and appreciated! Thankyou

 

Thanks lbrown! I'll do that!


Another question I have is:

Two separate mortgages are showing on a couple of reports, each with a full balance. In reality....this should've just been original mortgage holder showing paid in full............then afterward showing a new mortgage holder (after merely refinancing the same property) with the actual balance.


My question is......is the doubled mortgage debt showing on the reports good for our score, since it shows a larger debt? Or is it bad for our score....because it shows a larger debt??

I'm afraid to correct it, because I don't want to lose the good status of the first mortgagor if it shows "closed" and "paid".....since our history with them was good. Am I making any sense???

Thanks in advance!