So, on the public records section of myFiCo.com's report, there are no entries - which, I'm guessing means the bankruptcy that was dischard in May of 1999 is supposedly "off" my credit report? Well, at least that's what I thought until I applied for a car loan today and the first thing the Loan Officer said was, "So, I see you have a bankruptcy..."
If I can't see it on my credit report from myFiCO... how do lenders get to see it??? What do I need to do to get these things GONE and get a true, COMPLETE version of the credit report lenders get to see??
I'm very frustrated and any help is appreciated at this point!! Thanks!
I would assume that it has not fallen off all three CRA's.....and since you can't get an EX FICO, maybe that is the one.
You need to order actual CR reports from each of the three CRA's to see what the contents are. If you have been denied credit, then you can get them free.
Also, if your BK was May 1999, then it technically isn't set to fall off till May 2009 (next month). Sometimes this happens a month or two early on one or two, but you can't assume it has done so on all three.