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Discharged 3-25-08 Credit report Clean Up ?

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    Discharged 3-25-08 Credit report Clean Up ?

    We were dischaged 3-25-08. I have let the dust settle a bit and and now ready to fix a few errors. Could someone please advise me?
    1.) Countrywide Home Equity not showing as included in BK still showing a a current open acct with a $56K balance due with no derogatory comments.
    Was included in BK. is it better to leave it as a positive?Will it effect score later on if left as is?

    2.) Vehicle re-affirmed with local bank. Showing derogatory but current shows listed in BK does not show it was re-affirmed.Should it show reaffirmed?

    3.) Vehicle that was vol. repo shows listed in Bk but has balance listed?

    4.) Is it ok to say derogatory but not charge off right? No charge offs are listed on my report.

    Thanks for all the help now and in the past.Any input is appreciated. CastleKnight

    #2
    You can start here on how to clean up your credit report.....


    Also, under this same section of the forum, there are many Sticky's that may be of some help as well.

    BTW, any account that was included in BK should be listed as such. The accounts should be closed and with $0 balances. I do believe that derogarotries (lastes) will remian on your report whether or not the account was discharged or reaffirmed.
    Bankruptcy History:
    Chapter 7 filed - 10/12/2005 - Asset
    Discharged - 02/16/2006
    Case Closed - 11/08/2007

    A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain

    All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.

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