Wednesday, February 13, 2008

Checking the First Credit Report Post BK

I used my lunch break to check my first credit report post BK. I found only a couple of small errors, but errors non the less. I got my first report from Experian (just history, no score). I logged onto annualcreditreport.com to get my free copy.

Two accounts were not listed as being part of the BK filing and listed as charged off. There was some incorrect personal information that I updated and had deleted. I'll check the other credit agencies in the next few months. Unlike the clients of my real estate office, my report was not as chock a block of errors (or at least Experian was pretty correct) as theirs was and I feel pretty good, actually, about the information in the report. Some of it may not be perfect credit information, but at least it will be accurate credit information.

I looked at my account history on several of the accounts, and I’m still pretty shocked at how much denial I was in for awhile when my whole life and then my fiscal life, went arse over tip. I could see so much progress in paying down account balances, and then I could see right where they shot up when life took those unexpected and unpleasant turns.

Errors have been disputed, requests for corrections have been made and supposedly I'll hear from Experian in a few days to let me know they have alerted the account holders. I look forward to the next report in a couple months.

4 comments:

Ian Denny said...

Even though I've avoided going BK, my credit rating will soon be shot. Because I'm effectively paying off all the debts with them zeroing out the interest, it ruins your credit score.

Still, that's a good thing. Absolutely no temptation - what I haven't got, I can't spend!

Oh joy!

Dawn said...

Bravo for checking your credit report - You are persevering and that's what it takes to get where you want to go!

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