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My Credit Decision based on looking at this
report.
Re-established with a bankruptcy. See how the Emperica score is high "656"
BUT they have a bankruptcy. A Chapter 7, Not chapter 13. What's the difference?
Chapter 7
wipes out all bills, is over NOW, and you can't file again for 7 Years. Chapter
13 wipes out most bills which are then re-consolidated and repaid over time. Chapter 13
filers must have
the chapter 13 dismissed or paid out before they can buy again. Most creditors
view chapter 7
as a better option because one cannot file again, and they don't owe as much. It is
important to note that one must usually re-establish some credit before one can buy something
of substantial value, like a car or home.
What is a Click> Emperica 96 SCORE 656 SERIOUS DELINQUENCY AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN NUMBER OF ACCOUNTS WITH DELINQUENCY TOO FEW ACCOUNTS WITH RECENT PAYMENT INFORMATION SSN ISSUED-69 STATE ISSUED-IL *doe,jannie.c SINCE 10/01/89 FAD 11/13/01 FN-347 2000,e grizzard ST,city st zip,TAPE RPTD 08/01 311,TWELVE OAKS,RD,city state zip,TAPE RPTD 10/99 1060,SPLIT RAIL,ST,city state zip,TAPE RPTD 04/98 BDS-12/06/1965,SSS-111-22-3333 01 ES-cook, waffle house 02 EF-,another job 03 E2-some other job T,,,EMP 05/92 *SUM-10/89-01/02,PR/OI-YES,COLL-NO,FB-NO, ACCTS:26,HC$0-36500, 3-ZEROS, 18-ONES , 5-OTHERS. Here is the bankruptcy, personal BK chapter 7 filed on 10-1999 It is important to note that one can add a comment to any credit item on their record. After years of reading credit reports I have concluded this option is useful with any bankruptcies. One should make sure that any and all records included in the BK say so. Most creditors don't do this and it makes the report hard to decifer. If you BK, then get a list of all the accounts included, print out my dispute form and add comments for each entry and send it to all three agency's. ****** PUBLIC RECORDS OR OTHER INFORMATION ****** 04 10/99*BKRPT 42222228, 122222226,INDIVID, PERSONAL,VOL CH-7 ************************************************ FIRM / IDENT CODE CS RPTD LIMIT HICR BAL $ DLA MR (30-60-90+)MAX/DEL ECOA/ACCOUNT NUMBER OPND P/DUE TERM 24 MONTH HISTORY ------------------------------------------------------------------------------- PEEBLES *82222225 R1 01/02 600 --- 130 01/02 01 I/ 11/01 --- 13 CHARGE CAP 1 BANK*822222228 R1 01/02 --- 327 233 01/02 08 I/ 05/01 --- 15 CREDIT CARD CITI *9222222 R1 11/99 --- --- 0 09/99 04 I/ 07/99 --- --- ACCOUNT CLOSED BY CONSUMER LOWES *422222229 R1 10/99 --- 1033 0 11/96 62 I/ 08/92 --- --- PAID ACCOUNT/ZERO BALANCE LERNERS *9222228 R1 10/99 --- 500 0 07/98 15 I/ 07/98 --- --- ACCOUNT CLOSED BY CONSUMER CHARGE RNB-TARGET*6222222227 R0 07/99 300 --- 0 I/ 06/99 --- --- CHARGE FCNB PRFCH*9222220 R1 05/99 400 --- 0 05/99 26 I/ 03/97 --- --- CHARGE FLEET CC *42222229 R0 04/98 --- 100 0 03/97
I/ 02/97 --- ---
PAID ACCOUNT/ZERO BALANCE
CLOSED ACCOUNT
FUNB *8222222227 R1 01/98 6500 --- 0 08/95 44
J/ 05/94 --- ---
PAID ACCOUNT/ZERO BALANCE
BADCOCK *7222222222 R1 08/97 --- 966 0 07/97 01
I/ 06/97 --- 90
AEDC *7222222 R1 06/97 --- 0 0 07/97 37
C/ 04/94 --- ---
PAID ACCOUNT/ZERO BALANCE
CREDIT CARD
DISCOVR CD*122222227 R1 08/93 --- 2500 0 04/92 31
I/ 10/89 --- ---
ACCOUNT CLOSED BY CONSUMER
REVOLVING TOTALS 7800 5426 363
--- 28
-------------------------------------------------------------------------------
PREMIERAUT*122222227 I1 12/01 --- 16051 10771 12/01 28
I/90022222222222001 08/99 --- 289
AMSOUTH *7222222221 I1 09/99 --- 13268 0 07/99 31
I/9522222229 02/97 --- 252
PAID ACCOUNT/ZERO BALANCE
KEY USA *6222222225 I1 09/99 --- 10413 0 07/99 17
J/3222222222534 04/98 --- 131
PAID ACCOUNT/ZERO BALANCE
HOME IMPROVEMENT LOAN
AEDC CR UN*7222222228 I0 03/97 --- 10917 0 02/97
I/42222222 01/97 --- 226
PAID ACCOUNT/ZERO BALANCE
AEDC CR UN*7222222228 I1 01/97 --- 5270 0 12/96 33
C/42222201 03/94 --- 127
PAID ACCOUNT/ZERO BALANCE
AUTO
WAMU *7222220 I1 11/96 --- 405 0 11/96 06
J/4222222222228 04/96 --- 11
PAID ACCOUNT/ZERO BALANCE
AEDC CR UN*7222222228 I1 10/96 --- 36500 0 10/96 28
C/42222222 05/94 --- 251
PAID ACCOUNT/ZERO BALANCE
FMC *922222224 I1 01/95 --- 5006 0 12/94 43
J/A222222224 06/91 --- 119
PAID ACCOUNT/ZERO BALANCE
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Credit help Totally free credit reports Free debt check Credit card for bad credit Hire a credit help lawyer OPTN ONE *122222228 I1 06/94 --- 35000 0 05/94 04 J/6222222245 01/93 --- 427 INSTALLMENT TOTALS --- 16051 10771 --- 289 ------------------------------------------------------------------------------- GRAND TOTALS 7800 21477 11134 --- 317 ------------------------------------------------------------------------------- SEARS *622222226 01/02 --- --- --- 04/99 I/ 11/93 INCLUDED IN BANKRUPTCY CLOSED ACCOUNT CHARGE WFB CD SVC*122222228 12/01 --- --- --- 10/99 I/ 10/98 INCLUDED IN BANKRUPTCY BANKRUPTCY CHAPTER 7 CREDIT CARD MONT/WARD *92222226 02/00 --- --- --- 09/99 I/ 11/97 INCLUDED IN BANKRUPTCY FUSA NA *42222227 11/99 --- --- --- 09/99 I/ 02/98 INCLUDED IN BANKRUPTCY CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT CAP 1 BANK*8222222228 10/99 --- --- --- 10/99 I/ 04/96 INCLUDED IN BANKRUPTCY CREDIT CARD One important thing to notice on reports is the j or i on the left below the name of the creditor. This means the account is joint or individual. J for joint, I for individual account. Also see how the BK was in 1999 and since then some accounts have been re-established. This is the key for people who want to get started back. Start small and pay good for 12 months, then move on up the food chain.
*INQS-PEEBLES 472DC28 11/13/01 CAPONEBANK 484BB2629 05/19/01
* MEMBER # COMP. NAME TELEPHONE * MEMBER # COMP. NAME TELEPHONE
852DC105 PEEBLES 804-4475200 850BB1498 CAP 1 BANK MAIL ONLY
906BB40 CITI MAIL ONLY 404BB8029 LOWES 800-4441408
906CG68 LERNERS 516-6732387 613DC15367 RNB-TARGET MAIL ONLY
906DM10 FCNB PRFCH MAIL ONLY 496ON309 FLEET CC 302-7914400
805BB87407 FUNB MAIL ONLY 772HF27642 BADCOCK 615-9624991
155BB3747 DISCOVR CD MAIL ONLY 155FA1297 PREMIERAUT 312-4561300
772BB11291 AMSOUTH 615-7482255 645BB14815 KEY USA 999-9999999
772FC31778 AEDC CR UN 615-4555441 772FF20 WAMU 931-4558576
905FA3534 FMC MAIL ONLY 180FM9908 OPTN ONE 949-7908300
645DC9336 SEARS MAIL ONLY 162BB5388 WFB CD SVC 800-9679521
906DC136 MONT/WARD 800-9500345 496ON317 FUSA NA 800-9559900
472DC28 PEEBLES 804-4475200 484BB2629 CAPONEBANK MAIL ONLY
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