I filed Chapter 7 Bankruptcy in 2002. Currently, I have five open lines of credit, all in perfect standing. I checked my credit reports in Oct. 07, and the scores were 659, 640, and 710. This past weekend I rechecked, and the 710/Experian score had decreased to 619, while the other two scores had increased to 690 and 692. I paid off my car loan in October, with no late fees or negatives. I have examined the Oct. and Nov. credit reports and I am unable to determine any cause for the rapid score decline reported by Experian. My credit will be checked this month for employment purposes and this score is an important factor. Please advise.
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i think you will be ok on your job check
unless they dont hire people with a bk showing
620+ is the standard for people with good credit
680 is average with no lates payments ever in thier life
If your credit the past 2 years os strong you should have no worries.
have an explanation for the bk
I can not make a decision about a report I cannot see.
So thats all the advice I have I guess.
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Thanks for the advice. I just discovered your web.site and have found it extremely informative. One more question. Experian also reports a last name I never used in the personal information section of my credit report. Previously, I co-owned property with an individual and it is this person's last name and my first name. I attempted to dispute this information online but was directed to call. When I called the number, there was no appropriate option nor could I get past automated symstem. Write a letter?
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Bo
Go here > Dispute form and dispute the error
anything old
anything inccorect
Thursday, November 15, 2007
filed chapter 7 2002 score checked for employment job
Posted by
OskieGuy
at
3:22 PM
Labels: Chapter 7, dispute credit form, employment job credit, fico beacon credit score
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