My credit reports state there are NO collections on file. Yet, where the explanation under "worst delinquency" is I have some that say... "charge off, collection, or bankruptcy" a few that say "Bankruptcy Chapter 13 petitioned, or discharged and bankruptcy chapter 13 reaffirmation of debt rescinded"
What does this mean? And what can I do about it?
Also, where it lists the "creditor" Some of the names I do not recognize. And where it says "Credit grantor contact informaton" it says "not on record" How do I find these people and neogitiate?
I have one that is a credit card "HSBC NV" (no idea who this is) and they report it as a "charge off" yet at the bottom under "description" it says "Transferred to/purchased by another lender". What do I do with this one???
hello fellow credit seeker, when i got my free credit report from experian it list the creditors info at least the name you can then go to yellow pages .com and get address and or # number. by the way i think hsbc is a little / no credit card company
Okay, so can I get the "charge off's removed"? and what about the ones that are listed as discharged under chapter 13 bankruptcy.. (which I backed out of a chapter 7 never went to court) I need to know if I can get this bankruptcy removed as well...