Help with Credit Report!! Please :o)

[Boobeans]

Okay, I have a old Experian Credit Report which shows one of my accounts should be deleted in October 2002. I just went and pulled my report and now it is showing it should remain until October 2003!! Can they do this?? Shouldn't it have come off??

Also one of my accounts in showing it was "included in Bankruptcy" I have never filed for Bankruptcy so this is not possible. How can I get that fixed? That one is showing it will remain until November 2003, so if they are treating it like a Bankruptcy then it should have been removed almost 3 years ago!!!

Any suggestions??

[blueranger]

The way we do things around here is we dispute them... so start by disputing your name and address and old addresses and jobs and stuff. Remember if you have moved a lot it cost your score.. also if you have changed jobs a lot. so you may want to leave what ever is there as your current job and address alone... so dispute old stuff....

Then we dispute the entries... so that would be next month.... and dispute the worst first... don't dispute to much at one time. Slow and study is the game.

Go sign up for Privacy Guard and check your credit report each day...

[LetoAtreides]

Ok Boobeans, first off welcome.

Now, we will need a little more info to help on the first issue.

What is the date of last activity on the item that should have fallen off Oct. 2002? It can be reported 7 years from that date +- 180 days in case of charge-off, ect. We need to find out why it is still being reported. If it is over the 7 year mark, no muss no fuss. Call up Experian, tell them it is past the 7 years, should go buh bye easily.

Now the BK thing, if you have never filed BK, then you definitely need to dispute to get it off there. I'm curious why you say if it WAS Bk it should have come off 3 years ago. BK don't lessen the reporting period, it still goes 7 years from the deliquency, so when was that?