Credit report clean up

[newstart]

I am in the process of cleaning up my credit report, I know that the chapter 7account should list a zero balance. My question is they should 0 balance but they have all have amounts listed under High balance, is that correct or should there be no amounts listed at all?

[StaciMM]

Everything should be factually correct. The "High Balance" generally shows what your balance was at its highest point. It is not the balance now. So, there is no reason they can't keep reporting your high balance. Same for credit limit, account opening date, etc.

[newstart]

didn't mean to post this question twice, sorry.

[bkfiler]

I am in the process of cleaning up my credit report, I know that the chapter 7account should list a zero balance. My question is they should 0 balance but they have all have amounts listed under High balance, is that correct or should there be no amounts listed at all?

the high balance has no effect on your credit in terms of negativity.its fine and can stay the same. its the $0 balance you want.

[invest1choice]

What about a blank balance ? Is that okay?

[invest1choice]

below example : is this okay? charge off ?

Status:
Debt included in Bankruptcy/Account charged off.



Date Opened:
04/2000
Type:
Revolving
Credit Limit:
NA

Date of Status:
01/2006 Terms:
NA High Balance:
$1,314

Reported Since:
01/2005 Monthly Payment:
$0 Recent Balance:
$0

Last Reported Date:
01/2006 Responsibility:
Individual Recent Payment:
$0



Your Statement:
NA



Creditor's Statement:
Account closed at credit grantor's request.



Account History:
Charge Off as of Dec 2005
150 days as of Nov 2005
120 days as of Oct 2005
90 days as of Sep 2005
60 days as of Aug 2005
30 days as of Jul 2005
Debt included in Bankruptcy on Jan 20, 2006


Balance History:
11/2005 $1,265
10/2005 $1,216
09/2005 $1,168
08/2005 $1,122
07/2005 $1,051
06/2005 $986
05/2005 $947
04/2005 $834
03/2005 $876
02/2005 $890
01/2005 $903
11/2004 $860
10/2004 $397
09/2004 $0
07/2004 $0
07/2004 $0
06/2004 $0
05/2004 $0
04/2004 $0
03/2004 $0
02/2004 $0



Limit High Balance History:
Between Nov 2005 and Nov 2005, your credit limit/high balance was $1,265
Between Oct 2005 and Oct 2005, your credit limit/high balance was $1,216
Between Sep 2005 and Sep 2005, your credit limit/high balance was $1,168
Between Aug 2005 and Aug 2005, your credit limit/high balance was $1,122
Between Jul 2005 and Jul 2005, your credit limit/high balance was $1,051
Between Jun 2005 and Jun 2005, your credit limit/high balance was $986
Between May 2005 and May 2005, your credit limit/high balance was $947
Between Feb 2004 and Apr 2005, your credit limit/high balance was $945