Hey Folks, So I kept getting denied for Ollo card, Credit One, etc and they were telling me there was a freeze on my Experian account. What? So I got through to a live person they said there was NOT a freeze and offered to send me a free copy ofmy report. But of course I accepted. I received it today and not sure what should/should not be in these comments on some of my accounts.
Examples:
In comments on Conn's, yeah I know, Status reads-discharged thru BK Chap 7 but then it reads, "this item was updated from our processing of your dispute in May 2018". What dispute??
In comments on Avant, comment reads "Purchased by another lender This item remained unchanged from our processing of your dispute in May 2018"....again, what dispute. Should it be saying all of this stuff? I thought they could only put "included in bankruptcy" and that is it. Can they put my high credit limit amounts or original credit limit amount? Some creditor histories show an amount for high balance, others show not reported. I am confused.
Under Recent Balance it shows "not reported" shouldn't it show zero??
And shouldn't the date be the discharge date not the filing date for my chapter 7?
Confused beyond all get out. Any help greatly appreciated ya'll.
Lisa in Dallas
BUT think we figured it out. For some reason my Experian report is not showing myhome address. Among other things with it, but getting to a good point now! Thanks!