murphs5150
First post here. First thing to say is wow alot of info here with great help. Wish I would have known about this place a couple years ago. Heres my question I'd like to get some feedback on.
I filed for bk 11/2001 discharged. Kept our car loan as the only thing to pay. Been paying on time for it also. I know I should have done this sooner but I just finally went to equifax and got my credit report with the fico score.
All but one of the credit cards are listed as included in bk with nothing else added. My chase mastercard is shown as a charge off with alot of nasty days late comment.
Also one comment not related to my bk is my car loan. It was sold to another company right before my bk and has a current status of 30 past due comment but under seven year history lists all of them as 0. Kind of confused on that one.
Heres what I did and hope I did it right. I did the online dispute for the mastercard saying that it was included in my bk. Will this remove the charge off?
For the car I said I was never late and not my account.
The one I'm really worried about is the charge off? It was charged off before my bk. I thought it would just read included in bk like the others. Sorry for the long ramble but I want to get myself cleared up.
I just applied for the target card online and got a 200 limit that should help my fico score. My score is 610 now. Anyone know if it will go up if they remover the charge off to a bk? Thanks for any response I get here.
I filed for bk 11/2001 discharged. Kept our car loan as the only thing to pay. Been paying on time for it also. I know I should have done this sooner but I just finally went to equifax and got my credit report with the fico score.
All but one of the credit cards are listed as included in bk with nothing else added. My chase mastercard is shown as a charge off with alot of nasty days late comment.
Also one comment not related to my bk is my car loan. It was sold to another company right before my bk and has a current status of 30 past due comment but under seven year history lists all of them as 0. Kind of confused on that one.
Heres what I did and hope I did it right. I did the online dispute for the mastercard saying that it was included in my bk. Will this remove the charge off?
For the car I said I was never late and not my account.
The one I'm really worried about is the charge off? It was charged off before my bk. I thought it would just read included in bk like the others. Sorry for the long ramble but I want to get myself cleared up.
I just applied for the target card online and got a 200 limit that should help my fico score. My score is 610 now. Anyone know if it will go up if they remover the charge off to a bk? Thanks for any response I get here.