Daughter wanted to move and found that because her credit was so bad, no one would rent to her. She didn’t know how her credit could possibly be bad because since filing bankruptcy in 2001 she hasn’t used any credit. She keeps no records, receipts or statements for anything! She throws away collection notices, has no checking account and pays everything in cash or with a money order.
First thing I found was that the bankruptcy was “dismissed” not discharged. I searched WA court records to verify judgments. Also searched WA dept of licensing to verify licenses of the collection agencies. Finally, I sent dispute letters for almost everything:
01/18/08: TU – 711 EQ – 667 EX - 738
11/16/07: TU – 694 EQ – 668 EX - 731
09/20/07: TU – 548 EQ – 577 EX - 576
Derogatory Listings Date EQ TU EX
Judgment – Citibank Jan 01 Deleted Deleted Deleted
Judgment – Citibank (duplicate) Feb 01 Deleted Not listed Deleted
Judgment – Former Landlord Sep 02 Deleted Not listed 650
Macys – Wage Earner Plan Aug 95 Deleted Not listed Not listed
Collection – Fairway Collections Sep 02 Deleted 1576 Not listed
Collection – HSBC/Tax Jan 06 241 241 241
Collection – AllianceOne Apr 04 Not listed Not listed Deleted
Collection - Merchants ME Mar 03 1735 1735 Not listed
Collection - West Asset Mar 03 1067 1067 1067
Collection – Credit Protection Jun 02 Deleted Deleted Deleted
Collection – Credit Protection Nov 04 Deleted Deleted Deleted
Collection – ER Solutions Oct 06 Deleted Not listed Deleted
Collection – WCI Oct 06 Not listed Deleted Not listed
Deletions were CRA errors (duplicate Citi judgment, bogus Alliance collection, SOL Macy's), DV'd Cred Prot, ER & WCI - they deleted. SOL Citi judgment Jan '08. Bankruptcy dismissal will drop-off Apr ’08.
Added her as AU on 5 of my accounts, but did not give her the cards. She received Wamu & Hooters MC approval Jan '08.