Hello all - It has been a pleasure lurking the posts the last few weeks. I am a newbie, so please forgive if this has been discussed previously. I would appreciate any help with regards to cleaning up and improving my score. I received my report from MYFICO. My FICO is at 633. I did call EQ and EXP to delete incorrect spelling of name and wrong addresses, TU changed on-line. 1) BK13 2/94; converted to BK7 8/96. EQ shows nothing on report, EXP shows Filling Date 8/96 Account Status Bankruptcy 7 petition filed. Online shows (This item is scheduled to continue on record until 2-2004, BK7 10 yrs?) TU shows Filling Date 2/94 Chapter 7 Bankruptcy Discharged. When/how can I get this removed from my CR? Is it elig to be removed 2/2004 or 8/2006? Will the CRA automatically remove it, or will I need to go on a letter-writing campaign to get it off? 2a) There are 3 PAID medical collections on EQ (BK not showing) 1. Open Date 03-1998 Balance Date 08-1998 Balance Amount $0 Date of Status 08-1998 Status PAID_ 2. Open Date 09-1998 Balance Date 02-2002 Balance Amount $0 Date of Status 02-2002 Status PAID_ 3. Open Date 11-1998 Balance Date 02-1999 Balance Amount $0 Date of Status 02-1999 Status PAID_ 2b) They are not showing up on EXP (BK '96) 2c)1. Open Date 03-1998 Balance Date Balance Amount $0 Date of Status 08-1998 Status AUTOMATED ACCOUNT_ 2. Open Date 09-1998 Balance Date Balance Amount $0 Date of Status 02-2002 Status AUTOMATED ACCOUNT_ Not sure were to start on collections, â??not mineâ?, â??nutcaseâ?,â?HIPPAâ?? 3) There is one CC reporting "incl in BK" on CR that is correct. EXP online shows (This account is scheduled to continue on record until 8-2003). Should I just wait? 4) My active CC (Cap1) (opened 1996,30 days, 4-01,11-2000, 12-1999 60 days 12-2000). 5)1 other neg. 60 days 2000 6) Three positive accts. 6a. Cap 1 Auto 5-2002 no lates (applied on-line, sent me a check for $34,000 to use at the dealer of my choice, used $19,000, go figure.) 6b. AU of wife's JCP card shows on EXP only. Status shows CURR ACCT, Comments show Account closed at Grantor's request - Reported by subscriber.(Thought this was added to BK, not sure.) 6c. Target Guest opened 8-97 never late, they sent Target Visa w/2000 limit, wife canceled maybe Dec or Jan (we had Cap1 she didn't think we needed another CC) tried to use Target Guest last week, they said acct was canceled. Is it to late to reopen without an inquiry? Well I think this will be a start, and I really appreciate any and all help and comments. Thanks again, Quack
I received response on another board to dispute paid collections with Why Chat's HIPAA letter to the OC, should I do that before disputing as "not mine with CRA? Thankz
