Hey folks - Quick questions...I am a lil ways out until my BK discharge, should I contact all 3 bureaus and request early exclusions on debts that are greater than 7 years old that are still appearing on my CR's, are these hurtful to show to a future lender? My BK plan was for 5 years, so the question is basically focused on debts that were outside of the plan. Also, who's the better bureau to truly get an accurate score from?
Lastlly, on all reports, I noticed 2 recent medical collections from last year, I immediately paid them off last week. Since I do not have any more revolving debt, other than my mortgage and want to start pulling my scores up, should I try for a secured credit card now or post bankruptcy? Thank you for your feedback, I truly do appreciate it!
reports pulled on 1/20/15:
My Fico: Ex 529, Eq 508, TU 529
TU: 625
Ex: 529
Equifax reporting: Ex 629, Eq 609, TU 570
Credit Report.com: Ex 585, Eq 585, TU 568
