My scores are hovering at around 624-642 now. Irwin Home Equity mistakenly reported me 30 days late after I paid off the second mortgage (said July was late, paid them off in June). I sent several emails and they informed me in writing that everything was taken care of, I checked today and they have cleared the discrepancy. They were good to with during the BK and before so hopefully that is over. Chase Mortgage was horrible.
There are some discrepancies left, one is Citibank showing the Account in Collections and Providian and Sams Club reporting twice and changing account numbers. That definitely affects scores. Have to get all this corrected, just gotta find time.
There are some discrepancies left, one is Citibank showing the Account in Collections and Providian and Sams Club reporting twice and changing account numbers. That definitely affects scores. Have to get all this corrected, just gotta find time.