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Question, Confused


lurjr
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Hello, any help would be appreciated, I'm currently trying to clean up my credit to get ready to purchase a home, hopefully within the next year. So here it goes, In 2011 I filed for chapter 13 bankruptcy as a stall tactic, for the mortgage company so they wouldn't foreclose on my home, 20 days later it was dismissed. At the time I had two wells fargo financial credit cards, that I had opened up in 2008 and never late on them, they both had a balance and they all of the sudden closed them both and on my credit report says status: chpter 13 bankruptcy dismissed/ never late. They both have recent balance totals the amount and as of 09/2011 and under the comment section saying purchased by another lender.

A couple of month ago I had a company called CACH LLC call me telling me that they are collecting, they are reporting one card with a limit and status collection. The other card is also owned by them, but they are reporting with no recent balance and under status it says no status.

My question is what do I do? Can I et these removed from my report because they aren't reporting correctly? Im a little confused on how to takle it?

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