Credit report question

[blueking5]

I was discharged 12/2009. I pulled my Experian and Equifax credit report.

On the Experian reports they all say included/discharged thru chapter 7. Balance is 0 but towards the bottom it shows what the credit limit was and the highest balance i had and also in comments it says credit line closed grantor request reported by subscriber.

On the Equifax report everything is ok but it does state the date of first delinquency and date of major delinquency
Are these ok or can i dispute anything?

[backtoschool]

Those are all allowable things for them to report

[blueking5]

Ok thanks. I guess there isn't anything i can dispute to get the negative comments removed early.

[backtoschool]

Ok thanks. I guess there isn't anything i can dispute to get the negative comments removed early.

Comments don't affect your score. And the bk public record on your report is like a nuclear bomb, so any comments that are looked at by manual underwriters will pale in comparison to that anyway. Work on getting zero balances and build a few positive trade lines and that should be what you need to rebuild.