@Anonymous wrote:
Thank you for answering my questions. I did not think you were being rude. I will check out that site. I have no collections on my reports but I have a bankrupcy in 2001 which was started and dismissed so we ended up having to pay everything off. What I did not know is that when it is a chapter 13 and dismissed they can hold it on your report for ten years. TransUnion removed it and so did Experian but Equifax that is another story. They are never quick to remove anything else. I have no lates and all my bills are paid and on time but the problem is that my balances are too high. I thought I could do a balance transfer but if I can't I will just wait and pay it all off over the next 6 months. Thanks a lot though.
EQ can be a real PITA about removing 13's in 7 years. Some people report they are stuck on the report for 10 years. Not fair but EQ is EQ. I would avoid the Citifinancial loan. Good luck on the Navy app.
