Score After Credit Repairs???????

[RCAGREEN]

Hello,

I recently filled a dispute online. Everything on my report was reporting collections. So I corrected everything to say that it was discharged in a bankruptcy. I was wondering if anyone could tell me how much there scores have changed from this. Also we have a 25,000 and a 10,000 dollar credit card completly maxed out on my husbands credit report and the funny this these are not his. So I disputed that these need to come off. Any idea how much a score can raise from that.

We are trying to buy a house and we need our middle score to be reporting at least a 580. My husbands high score is a 570 but low score is a 489 big difference!!!

Any suggestions or idea of how long this could take. The three reports are showing he had anywhere from 3,117 to 39,565 in debt!!!!

Well let me know thanks!!!!!!

[RCAGREEN]

ALSO.......................

My husband an I went to look in to buying a house and when they pulled our credit it showed we had 28 inquries in the last 3 months. We bought a truck last month but we only went to two places. Needless to say people have been pulling our credit with no permission and it is really hurting our score. Got any advise?????

[Roadrunner]

Not sure about the inquiries, but they don't affect your scores too much after 6 months.

For the credit cards, is he an authorized user on them? Hopefully disputing them will get them removed. I've read that utilization is a big deal on credit scoring, but I don't think anyone can predict how much of an impact it will make.