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. Experian for Thomas Report Date: September 03, 2003 Potentially Negative items Listed ----------------------------------------------- Public Records: 1 Accounts with Creditors and others: 8 Accounts in good standing: 15 Information affecting your creditworthiness ------------------------------------------------------------- Public Records ---------------------- US BKPT CT Date Filed: 4-2003 Date Resolved: 7/2003 Responsbility: Joint Claim Amount: $0 Liability Amount: $0 Status Details: Chapter 7 bankruptcy discharged. This item is scheduled to continue on record until 4-2013 Credit Items ------------------ BANK OF AMERICA Dated Opened: 6-2002 Reported Since: 6-2002 Date of Status: 6-2003 Last Reported: 8-2003 Type: Revoling Terms: NA Monthly Payment: $0 Responsibility: Indivdual Credit Limit or Original Amount: $1,000 High Balance: $1,069 Recent Balance: $0 Recent Payment: 8-2003 Status Detail: Included in bankruptcy/past due 60 days. Account History: 60 days as of 5-2003 30 days as of 4-2003 Discharged Through BK Ch 7, 11 or 12 on 06/29/2003 Creditor's Statement: "Account closed at credit grantor's request." (I left it bank) CREDIT UNION Dated Opened: 5-2000 Reported Since: 5-2000 Date of Status: 8-2003 Last Reported: 8-2003 Type: Revolving Terms: NA Monthly Payment: $0 Responsibility: Joint with (wife) Credit Limit or Original Amount: $5,000 High Balance: $5,222 Recent Balance: $0 as of 8-2003 Recent Payment: $122 Status Detail: Open/Current, was a charge off Account History: Charge off as of 7-2003, 6-2003 180 days as of 2-2003 to 5-2003 150 days late as of 1-2003 120 days as of 12-2002 90 days as of 11-2002 60 days as of 10-2002, 9-2002 (I left it blank) CREDIT UNION (This is actually a Overdraft Protection for our checking account) Dated Opened: 11-2000 Reported Since: 11-2000 Date of Status: 8-2003 Last Reported: 8-2003 Type: Installment Terms: 10 months Monthly Payment: $0 Responsibility: Individual Credit Limit or Original Amount: $1,000 High Balance: $1,000 Recent Balance: $0 as of 8-2003 Recent Payment: -- Status Detail: Account charged off/past due 120 days. $1,000 written off. Account History: Charge off as of 8-2003 120 days as of 7-2003 90 days as of 6-2003 60 days as of 5-2003 30 days as of 4-2003 HFC (Note Loan) Dated Opened: 10-2002 Reported Since: 11-2002 Date of Status: 7-2003 Last Reported: 7-2003 Type: Installment Terms: 60 months Monthly Payment: $167 Responsibility: Individual Credit Limit or Original Amount: $6,000 High Balance: NA Recent Balance: $6,328 as of 7-2003 Recent Payment: -- Status Detail: Open/Past due 150 days. $839 past due as of 7-2003 Account History: 150 days as of 7-2003 120 days as of 6-2003 90 days as of 5-2003 60 days as of 4-2003 30 days as of 3-2003 HHLD Bank (HPSHopping.com) Dated Opened: 9-2001 Reported Since: 3-2001 Date of Status: 8-2003 Last Reported: 8-2003 Type: Revolving Terms: NA Monthly Payment: $0 Responsibility: Individual Credit Limit or Original Amount: $2,309 High Balance: $2,309 Recent Balance: $0 as of 8-2003 Recent Payment: -- Status Detail: Petition for Chapter 7 Bankruptcy/Account charged off. Account History: Charge Off as of 8-2003 150 days as of 7-2003 120 days as of 6-2003 90 days as of 5-2003 60 days as of 4-2003 30 days as of 3-2003, 11-2002 Filed Chapter 7 Bankruptcy 08/20/2003 Creditor's Statement: "Account closed at credit grantor's request." HOME DEPOT/MBGA Dated Opened: 5-2000 Reported Since: -- Date of Status: 7-2003 Last Reported: -- Type: Revoling Terms: NA Monthly Payment: $0 Responsibility: Individual Credit Limit or Original Amount: High Balance: NA Recent Balance: $1,992 Recent Payment: $0 Status Detail: Included in Bankruptcy. Account History: Discharged Through BK Ch 7, 11 or 12 on 07/29/2003 PROVDN BNP (This one wasn't included in Bankruptcy because it's paid in full long time ago but I was never late on this!) Dated Opened: 7-1994 Reported Since: 8-1994 Date of Status: 4-2002 Last Reported: 5-2002 Type: Revolving Terms: NA Monthly Payment: $0 Responsibility: Indivdual Credit Limit or Original Amount: $5,000 High Balance: $5,097 Recent Balance: NA Recent Payment: NA Status Detail: Closed/Current, was past due 30 days. Account History: 30 days as of 1-1999, 12-1998, 10-1998, 9-1997, 3-1997 Your Comment: "Account closed at consumer's request." SEARS Dated Opened: 6-1996 Reported Since: 6-1996 Date of Status: 4-2003 Last Reported: 3-2003 Type: Revolving Terms: NA Monthly Payment: $0 Responsibility: Individual Credit Limit or Original Amount: NA High Balance: $1,780 Recent Balance: $0 as of 3-2003 Recent Payment: -- Status Detail: Included in Bankruptcy/Past due 30 days. Account History: 30 dats as of 3-2003 Discharged Through BK Ch 7, 11 or 12 n 04/29/2003 Rest of accounts are in good standing, all accounts were closed long before filing for bankruptcy Requests viewed by Pthers, creditors may view these request when evaluating your creditworthiness... (This is not what I requested!!!!!!!) Source: CIT ONLINE BANK/DFS Date of Request: 8-12-2003 Comments: Permissible purpose. This inquiry is sheduled to continue on record until 9-2005 Source: HFC Date of Request: 3-24-2003 Comments: Comments: Permissible purpose. This inquiry is sheduled to continue on record until 4-2005