I filed bankruptcy back in 2018 and I was able to get a lot of things removed from my credit report thank god. I am now slowly but surely starting to rebuild my credit. However, I have Target, Discover, and Dell Financial Services showing up on my report as closed accounts only Discover and Target were included in my bankruptcy. Dell that was paid off and close well before my bankruptcy. So now all 3 are reporting negatively which is having a heavy impact on my report. I currently have a new Target account whose limit is only $600 and it's in great standing. I just recently tried sending out goodwill letters to both Target and Discover via mail and email and I was denied by both unfortunately now I'm stuck and don't know what to do. Any suggestions?
