rene
i am new to credit forum. just wanted to say thanks for all the great info you give, sometimes you think you are the only one out there with these kind of problems.
so here is my question. in may it will have been 1 yr since our bk has been dishcharged. since then we have both gotten unsecured credit cars, a car loan, and are in the process of refinancing our home. we are working at trying to raise our scores they range from 517-580 from all 3 cra. we are consolidating our car loan (19%) with our house (8.75%). we received a copy of our credit report and there are credit cards on there that say we have a revolving line of credit, although they were included in bankrupcy. this is obviously hurting our debt to income ratio. whats the first step in disputing these with the cra? also there are many duplicate student loan entries? where do we (husband and i) start?
any advice would be appreciated!
thanks so much
rene
so here is my question. in may it will have been 1 yr since our bk has been dishcharged. since then we have both gotten unsecured credit cars, a car loan, and are in the process of refinancing our home. we are working at trying to raise our scores they range from 517-580 from all 3 cra. we are consolidating our car loan (19%) with our house (8.75%). we received a copy of our credit report and there are credit cards on there that say we have a revolving line of credit, although they were included in bankrupcy. this is obviously hurting our debt to income ratio. whats the first step in disputing these with the cra? also there are many duplicate student loan entries? where do we (husband and i) start?
any advice would be appreciated!
thanks so much
rene