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Trying To Rebuild Credit With No Sucess

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    #31
    FLBK i did same thing blacked all other accounts but the one i was disputing on my creditor matrix and discharg papers and wham it was corrected. Nomorebadcredit try that it helped and my scores went up

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      #32
      Nomorebadcredit, IIB and zero balance is how each and every account should read.
      BK 7 filed and discharged in 2004 after 30+ years of perfect credit. Life HAPPENS.

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        #33
        Originally posted by FLBK7 View Post
        Nomorebadcredit, IIB and zero balance is how each and every account should read.
        TRANS UNION HAS A HIGH BAL. AND WERE THE BAL IS BLANK.
        Filed ch7 8/14/07
        341 meeting 9/18/07
        DISCHARGED 11/20/07

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          #34
          What you need to look for is the date of last activity and the date of first delinquency. That will tell you when the accounts will fall off your account. If those accounts were IIB, then those dates should all be around the same time. I have found that writing letters with my point by point disputes and documentation has had good results. I still have a way to go but it is getting better.

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            #35
            Originally posted by rrockinggramma View Post
            What you need to look for is the date of last activity and the date of first delinquency. That will tell you when the accounts will fall off your account. If those accounts were IIB, then those dates should all be around the same time. I have found that writing letters with my point by point disputes and documentation has had good results. I still have a way to go but it is getting better.
            I Have writing letter but have had no suscess.
            Filed ch7 8/14/07
            341 meeting 9/18/07
            DISCHARGED 11/20/07

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              #36
              the high balance is highest the balance ever was not current balance. As long as that number is correct, they can leave it there. The balance is blank is the same as a 0 being there, they are not showing a balance.

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                #37
                thanks everyone
                Filed ch7 8/14/07
                341 meeting 9/18/07
                DISCHARGED 11/20/07

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                  #38
                  check out my new post that show how trans union reported on cr.

                  Filed ch7 8/14/07
                  341 meeting 9/18/07
                  DISCHARGED 11/20/07

                  Comment


                    #39
                    Originally posted by NOMOREBADCREDIT View Post
                    TRYING TO REBUILD CREDIT i can not get approved with no one i tried for secured card no one will give me credit. what can i do to get started to rebuild thanks.
                    My advise is to give it some time before youo start rebuilding. I would first start with the claen up of the credit reports. And allow at least 6 mpnths from your discharge to start applying for new credit. You need to give your scores time to settle down before you do anything.
                    My credit scores:
                    Before Filing: Tr 496, Ex 496, Eq 507

                    Today: Tr 618 (+122), Ex 601 (+105), Eq 623 (+116)

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                      #40
                      Originally posted by NASCAR20FAN View Post
                      My advise is to give it some time before youo start rebuilding. I would first start with the claen up of the credit reports. And allow at least 6 mpnths from your discharge to start applying for new credit. You need to give your scores time to settle down before you do anything.
                      i have got credit with target. but trans union is not reporting right see post ^
                      Filed ch7 8/14/07
                      341 meeting 9/18/07
                      DISCHARGED 11/20/07

                      Comment

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