equifax and experian is reporting a itiam was in bankruptcy. i filled in 97 the account was open in 99.?
483727
strange things happen when you go bankrupt
895538
Dear (whomever you want to address it to - manager etc)\n\nRegarding Acct#__________________\n\nI believe my account has been debited without my knowledge and I would like you to investigate the debit of $____________ which occurred on (date).  Please explain why this amount was deducted from my account and if done so improperly, please credit my account. I can be reached at______________.\n\nCordially,\nSign your name
738709
I have filed bankruptcy 2 times and I am 35. The chargeoffs are on your record for max 10 years depending on company.  Within 1 month after each bankruptcy I was getting credit card offers. Interest rates are HIGH and credit limit is low but you can build up credit limit with on time payments and eventually getting credit line increase. I have orchard bank. I also applied for a sam's Club membership card, had it a few months and then applied for a credit card and got it with no problem..(it's now 30%). You can use it at Wal-Mart also...There are several you can get..just go online and research..Be careful..I have gotten offers for some that offer 300.00 credit line, 6.00 month fee, 150.00 year, 100.00 act. activation fee..(210.00 year total) at 22 or 23 % interest..Don't get in over your head.
265071
Go to a bank!  You can check the information on line!
736317
You got a consolidated loan setup to lower interest on multiple loans you had trouble paying. That's your fault. Keep on the plan you have now or declare bankruptcy.
1182129
Then call citibank.  : )
19351
No. I filed bankruptcy in 1999 and I was quickly able to restore my credit.
416491
If you had a banko in 99 you should be able to get credit at a  higher interest rate. As long as you have no negative items since banko.Might try like a local financial company like sun loans.
844529
Ask to speak with someone higher up at the bank.  $1000 is not worth the time of the more important people, so they will just tell their staff to fix it.\n\nJust keep pushing.  They want you to take no for an answer.\n\nIf necessary, gather all your documentation and make an appt. with the highest official at the bank that you can.  Be strong and keep explaining how they are wrong.
215063
If you will still have those two negative items on your credit report, even if they are paid in full, contact all 3 credit bureaus immediately about those 2 negative accounts.  Tell them that those are the specific accounts that you are disputing and tell them that those accounts are wrong, that they are now paid in full.  \n\nMake sure to include information on the accounts such as the account numbers and the name of the company.  The three credit bureaus will have to investigate and they will find that you did in fact pay the accounts and they will change that on your credit report to showing that they are now paid in full.\n\nWhatever you do, do NOT bother contacting the accounts that you paid in full and asking them to report to the credit bureaus that you paid them.  They will just jerk you around and say "oh well, it says in our records that we did report it" when in fact they don't.  They got your money and they don't give a crap about the rest to take the time to report to the credit bureaus that you paid them.  So you will have to contact the credit bureaus yourself and let them know that it is incorrect.\n\nIf you don't know, the three credit bureaus are Equifax, TransUnion, and Experian.  The phone number to TransUnion is 800-916-8800, Experian is 888-397-3742, and Equifax is 800-270-3435.  It probably won't be enough to call them to dispute the information, but you can call and ask for their mailing address.  Then you will need to type up a letter to each credit bureau to tell them you are disputing the errors on your credit report.\n\nTo save you some time getting screwed around by the credit bureaus, I recommend you include with your dispute letter a copy of your driver's license, a copy of your social security card, and proof of your current residency such as a copy of your current utility bills with your name on it.\n\nSorry if it sounded like I ever repeated myself, but I am just trying to save you some hastle in the long run.  Because if you don't include all of those things along with the dispute letter right away, the credit bureaus will just screw you around and keep sending you letters requesting more information and it will just take a longer process and you keep having to repeat the information you already sent to them.\n\nIf you haven't guessed, I have gone through this already.  lol  But the upside of this is, the sooner you get this done, the better, and if you have any credit cards or other accounts, just keep them up and try to keep as low of a balance as you can and keep paying.  Your credit score will improve sometimes within 6 months or so.
1076838
Pretty soon you will start getting offers from credit card companies (Householdbank, Orchard, First Premiere) and although they start you at a tiny $250 limit, it is a way to start re-establishing credit.  Just charge something small and make payments.  I know it looks like there is no hope, but there is.  Also, order a copy of your credit report and see what is on there.  Try and challenge anything.  Sometimes the credit agencies are so lazy they won't verify anything.  Is your BK dismissed?  Sometimes if it is dismissed, you can have it removed.  I just got mine removed from Experian.  Good luck.
389332
Just contact your bank. They got all this stuff figured out.
521413
Start by getting a free credit report from each of the three credit bureaus. There is now a federal requirement that they offer US consumers one free repeort per year.  Don't get the combined reports.  If you do you will have used your 1 free annual report and will not have all the info you need to correct the errors that you find. You will want to pay the small additional fee to get your FICO score from each, it should cost about an additonal $5 if you find the right options on the website. Be aware that they offer many other options most of which primarily cost you more money, but give little benefit.\n\nRead over each report carefully.  Errors are very common. Ask them to investigate and remove each error. Correct even errors such as wrong addresses, and update address and employment information, they reflect on your stability and do have an effect on the decisions that lenders make. They have 30 days to investigate and respond.  If they are not able to correct something that you know is a mistake, then you start calling an writing the lender directly to the business  to get the problem solved.\n\nYou now know exactly where your credit rating stands.This gives you your starting point for your 1 year project of \nimproving your credit. \nIf you are over extended, and have gotten into a habit of living above your means this is the time to change the habits for a good cause!\nMake a careful tight minimum budget. Figure out the minimum amount you can get by one for living expenses each month. Then dedicate the remaining funds (the total amount left over in your budget after paying necessary expenses)toward paying of debt and clearing up credit. \n\nEliminate all unnecessary bills (cancel cable,and any other unnecessary expenses) Examine your bills, are there options you can eliminate? If you have trouble keeping up with all the little payments like many of us do, you can use a free bill paying service like www.mycheckfree.com or a bill paying service from your bank like the one offered by Washington Mutual www.wamu.com.  If you are managing a tight budget there can be advantages to using a service that is separate from your bank, in order to schedule the payments in advance and before the(hopefully direct deposited) funds are in your account each pay period. Make or schedule to each payment to arrive in advance of the due date and pay at least the minimum plus one dollar on each and every account.  Then determine which of your debts has the highest interest rate. List them in order of the highest rate to lowest rate down a sheet of paper in you bill payment / credit improvement folder. After you have made sure that every account has at least its minimum payment plus 1 dollar paid each month, then calculate how much money is left over at this point.  Apply all of this money toward the account with the highest credit rate first.If this pays that account in full and leaves you any money left over, continue down teh list applying the maximum amount to each account as you go down the page. Always paying off the highest interst rate accounts first.\n\nSet up a folder where you put all bills, and staple a sheet of paper to the folder. list all of your payments, thier due dates and the minimum due in columns down the sheet.  Each month when you make your payments record it in writing on this sheept along with any additional notes that you may find useful. Take all your credit cards but one out of your wallet, leave them  in a safe box at home.  Do not purchase anything on credit for the year of the project. Keep the one card for real emergencies. A shoe store sale with shoes to die for is not a real emergency! \n\nDo not apply for any new credit during this year. None. not even asking for a new cell phone company quote or insurance quote, if they will do a credit check.  They probably will.\n\nDo not close any accounts, especially if there have been problems. When you close an account you also close off the possibility of improving
490112
Definitely call the credit bureaus & get rolling on this immediately!  I think they are Experian, TransUnion, and Equifax.  Get a copy of your credit report from each to see if any credit has been opened in your name recently that you did not apply for.  Call all your credit card companies as well & make sure there has been no activity on your account that you don't know about.\n\nThere are books at the library which give lots of tips on identity theft, so I'd highly recommend checking into those.  \n\nI believe you are supposed to file ID theft claims with the Federal Trade Commission, so try checking out their website or calling them. \n\nIf you're feeling really adventurous, go to the Walmart that called (if you know which one) & see if they have contact info for the person who filled out the application!  Then report this information to the FTC investigators.\n\nHere is a brochure on ID theft published by the Postal Inspection Service:  http://www.usps.com/cpim/ftp/pubs/pub280.pdf
192403
My ex-husband's car was repossesed. Then when he didn't pay off the balance due, they tried to come after me because my name was on the original loan. What a mess. No bankruptcy for me, but I know people in both Florida and California that have worked after filing bankruptcy.
623221
I was "approved" for a small business loan, and they sent me a contract.  I read the contract and was ready to sign, but I needed $700 up front.  I did some research online and found someone else that had the same situation, and they wanted more after she paid the $700.  I decided this was a BAD idea!  You can find that report at http://www.badbusinessbureau.com/reports/ripoff192497.htm\ngood luck
151492
Do your own taxes online and e-file save the 300. and get it back just as quick!  \nIf you were not refering to taxes it sounds like a scam!!!!