valleyfever
03-11-2005, 04:09 PM
Hi, this is my first post, but I've been reading up for quite a few days...
I filed BK in 1997 and all cc negs have fell off of EQX and TU (except for the actual BK of course) But EXP is a different story.
I didn't realize how important it was to check credit reports or I would have done this a LONG time ago!!!
Experien February 17, 2005
US BKPT CT
DATE FILED 6-1998
STATUS DETAILS Chapter 7 bankruptcy discharged. This item is scheduled to remain on record until 6-2008
CHEVRON CREDIT BANK
Date opened 1-1992
Reported since 4-1994
Last reported 12-2004
Monthly payment $0
Credit limit $541
Recent balance as of 12-2004 $0
Status details: Petition for Chapter 7 Bankruptcy/Acccount charged off. Filed Chapter 7 Bankruptcy 6-2-2000
WELLS FARGO BANK
Date opened 4-1997
Reported since 2-1998
Last reported 2-2005
Claim amount/ liability amount $15,256
Recent balance $0 as of 2-2005
Status details: Discharged through Bankruptcy Chapter 7/was a repossession. Repossession as of 11-1998. Debt included in Bankruptcy 2/14/2005.
Ok, there are several things wrong here...
CHEVERON:
First off, why is Chevron showing Date last reported as 12-2004, I haven't applied for a new card or EVER checked my credit since 1998, so why are they still reporting this? 2nd: It shows I filed BK 6/2/2000! I disputed the BK date as it's obvious that I've only had a BK once and that was in 1998 as it clearly states on my report.
WELLS FARGO:
Shows date last reported as 2-2005. Once again, I have no reason to contact Wells Fargo, however, they have been my bank for over 10 years, would they still check on this? They are not listed as an inquiry. This shows my Status as BK 2-14-2005. I disputed the BK date for this one as well.
My question is, is it legal for Experien to put this in my report without investigating that I have NOT had 3 BK since 1998? They have yet to answer my dispute although I disputed online 17Feb05... they are taking their time when it is so obvious! Also, is it the creditor that is saying I filed BK those two incorrect dates or is it Experien?
I have only checked one score as I signed up for ScoreWatch (EQX) and it is 652, but I'm sure EXP is way lower since I have a LOT of inquiries where I've applied for credit cards (9) in the past two years. I believe some of these should be soft inquiries as they are on accounts I already have. But they aren't listed under the Soft Inquiry section...
Ok, I've rambled enough for my first post! I'm glad to be a part of your board. I have learned so much already!
I filed BK in 1997 and all cc negs have fell off of EQX and TU (except for the actual BK of course) But EXP is a different story.
I didn't realize how important it was to check credit reports or I would have done this a LONG time ago!!!
Experien February 17, 2005
US BKPT CT
DATE FILED 6-1998
STATUS DETAILS Chapter 7 bankruptcy discharged. This item is scheduled to remain on record until 6-2008
CHEVRON CREDIT BANK
Date opened 1-1992
Reported since 4-1994
Last reported 12-2004
Monthly payment $0
Credit limit $541
Recent balance as of 12-2004 $0
Status details: Petition for Chapter 7 Bankruptcy/Acccount charged off. Filed Chapter 7 Bankruptcy 6-2-2000
WELLS FARGO BANK
Date opened 4-1997
Reported since 2-1998
Last reported 2-2005
Claim amount/ liability amount $15,256
Recent balance $0 as of 2-2005
Status details: Discharged through Bankruptcy Chapter 7/was a repossession. Repossession as of 11-1998. Debt included in Bankruptcy 2/14/2005.
Ok, there are several things wrong here...
CHEVERON:
First off, why is Chevron showing Date last reported as 12-2004, I haven't applied for a new card or EVER checked my credit since 1998, so why are they still reporting this? 2nd: It shows I filed BK 6/2/2000! I disputed the BK date as it's obvious that I've only had a BK once and that was in 1998 as it clearly states on my report.
WELLS FARGO:
Shows date last reported as 2-2005. Once again, I have no reason to contact Wells Fargo, however, they have been my bank for over 10 years, would they still check on this? They are not listed as an inquiry. This shows my Status as BK 2-14-2005. I disputed the BK date for this one as well.
My question is, is it legal for Experien to put this in my report without investigating that I have NOT had 3 BK since 1998? They have yet to answer my dispute although I disputed online 17Feb05... they are taking their time when it is so obvious! Also, is it the creditor that is saying I filed BK those two incorrect dates or is it Experien?
I have only checked one score as I signed up for ScoreWatch (EQX) and it is 652, but I'm sure EXP is way lower since I have a LOT of inquiries where I've applied for credit cards (9) in the past two years. I believe some of these should be soft inquiries as they are on accounts I already have. But they aren't listed under the Soft Inquiry section...
Ok, I've rambled enough for my first post! I'm glad to be a part of your board. I have learned so much already!