Boscoe,
Currrently, I have the following:
Experian and TransUnion:
BK13 filed 2002 dismissed
BK13 filed 2004 discharged 2005
Equifax:
BK13 filed 2000 dismissed (they don't drop in 7 years, but EX & TU dropped, go figure)
BK13 filed 2002 dismissed
BK13 filed 2004 discharged 2005
I have a couple of CCs that were IIB (no lates). Ive had a mortgage loan since '97 (transfers/paid/closed). I have about 3 CCs that are "closed/paid as agreed" on EX that's why it's higher than EQ and TU. EQ is not budging on removing the 2000 BK13 (disputed as too old and rep said they report for 10 years).
I have 3 ccs since 2003 never late, current mortgage never late (I had a 30 day late in 2005 with a previous mtg co., disputed as "never late" they removed the late from my report).
Octavia.
Octavia.