need help reparing my credit

Discussion in 'Credit Talk' started by Esther, Mar 31, 2000.

  1. Esther

    Esther Guest


    Please I need help .1986 I had to file Bk and
    went overseas.I am back and trying to build my credit back , but
    I don't know if I can dispute or what I can do with 2 bad point on my Experiant credit report
    1.)one charged off credit card
    date reported 12/31/1996
    Balance o
    no remarks
    2.)a collection account
    I was not here when it opened , I was not here when this account opened, and I have not been contacted.
    open date 2/1997
    Balance 0
    reported 7/19/1999
    remarks none

    do you think this collection has to do with the credit card ??
    can I do something to remove any of them ?
    Please advice , I really have no idea about credit reports or how to fix them
    thank you


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