how should this tradeline report properly?

[reno55]

This particular acct was IIB but I dont think the condition should say derogatory correct? I am just trying to see EXACTLY how a "good" tradeline should look like that was IIB so when I go through and clean I know what to look for.

Account #:	xxxxxxxxx****	xxxxxxxxxx****	xxxxxxxxx****
Condition:	Paid	Derogatory	Derogatory
Balance:	$0	$0	$0
Type:	Charge account	Charge account
Pay Status:	Unknown	Collection/Chargeoff	Unknown
Past Due:	$0	$0	$0
High balance:	$505	$505	$0
Terms:	Provided		Provided
Limit:	$100	$100	$0
Payment:	$0	$0	$0
Opened:	05/11/2009	05/01/2009	05/01/2009
Reported:	02/28/2013	03/13/2013	06/01/2012
Responsibility:	Individual  [TransUnion] Chapter 7 bankruptcy  [Experian] Unpaid balance reported as a loss by credit grantor.  [Equifax] Bankruptcy Chapter 7

[Deltadog03]

They should all show a 0 balance and IIB if a balance was shown before and BK wiped it out...

[reno55]

what about pay status and condition?

[llecs]

OP, be sure to pull your CRs directly from the CRAs, vs. using a 3rd-party CMS. Sometimes the data mis-translates in these side-by-side reports.

[Deltadog03]

Very good point llecs

[reno55]

Is there any other way than paying for it to get actual CRA reports? I suppose I could wait for first round of disputes to come back right?

[llecs]

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@reno55 wrote:

Is there any other way than paying for it to get actual CRA reports? I suppose I could wait for first round of disputes to come back right?

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Annualcreditreport.com. You can also get them if you suffered adverse action by a creditor (e.g. a CLD, acct closure, etc.). You can also get it if you were denied credit in the past 60 days I think. I'm not certain, but if you recently became unemployed I think you are entitled to a free report. Also some states allow for an extra set of free reports. And then there's always the fallback copy of your CR when the disputes come back.

[reno55]

How would I get them for being denied credit because I was

[llecs]

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@reno55 wrote:

How would I get them for being denied credit because I was

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You'll have to dig around, and it won't be that easy. Off the top of my head, EQ's is www.equifax.com/fcra Maybe the others are similar, but I can't remember.