Credit Report Updates

[erinmi]

I signed up for Equifax's 3-in-1 Gold Creditwatch (for the free month). I think I'm going to cancel it soon, though and switch to TrueCredit, so I can pull all three reports unlimited instead just Equifax unlimited and paying for additional pulls on the other agencies.

Anyway, I'm noticing that on the accounts where one of us is the cardholder and the other is an authorized user, the cardholder account gets updated as "Included in Bankruptcy" and the authorized user gets updated as "Pays 60 days/90 days/120 days".

Is that typical?

Should I bother with getting those updated to IIB now or wait until after we get discharged?

[erinmi]

Anyone got any tips?

Thanks

[rrockinggramma]

the credit repair process is slow. I would start now. I have trucredit and like it because I can daily pull an updated report. I also have equifax gold because equifax has been a bug about updating reports and I like to keep track. I buy my scores on myfico.com. Just remember the scores given at trucredit are fako.

[CindyLou]

I like truecredit. and They have recently had some very good updates to their website.