Hi - I'm new here and I have read continuously for the past week (best reading ever). I have saved copies of the different letters you all have provided, but would like to know how to proceed so I don't mess things up. I have my husbands 3 Credit Reports and have some questions. If you would answer them and get us going, I would greatly appreciate it. 1. Our current address on EX and TU is a home in California and we live in TX. I know how to clear that, but when it comes to the hard inquiries (too many), I am begining to believe that they may be based on the incorrect address (mortgages, collection agencies, etc). Can those inquiries be disputed and how do I go about it? 2. BK discharged in early 06. EXP is showing it as 1/1/01, TU 10/13/05, EQ 10/1/05. Leave it alone??? 3. Auto loan with CU is open and being paid. States closed, included in BK and there is no pay history for EX and TU. What do we do because there is pay history (current and on time)? 4. Should child support be showing on the credit report? It is in good standing (pd and on time)? 5. One and only CC (secured) through a CU has a limit of $500 is paid with a 0 balance. Does not show balance of 0, but $500. Is this hurting and should it be changed? 6. Prior acct with First Premier states sold/charged off with a balance left. They are listed as a BK creditor. What should I do with this one? 7. Lastly, should you claim a debt is not yours (even if it might be)? Your help is greatly appreciated.
