I am very new to this board. I must say it is very overwhelming and confusing. I do need some advise. I want to clean up my credit on my own. Any assistance and advise is greatly appreciated and I thank you in advance. Filed Chapter 7 - Dec 2004 Discharged - April 12, 2005 Ordered all three credit reports already (have them) Questions: 1) Where do I even begin to clean up my credit reports? 2) Is there any way that I can remove any inquires and old addresses on my credit report? 3) Where the heck is the FICO score located on the credit report or do I have to purchase my fico score from somewhere else? 4) Where are these dispute letters located? Do I have to buy them or are they available on-line? 5) And what if one of my creditors did not report my BK on my credit report.
