bankruptcy utah
Saturday, April 5th, 2008
How can my husband and I improve our Credit score?
We got married over a year ago, in California.
Our Landlord wanted to sell the house we were living in, so we had to move to Utah. Were he has family. ( No were not Morman)
Any way, we have been here 5 mths now. And we have looked and looked for a place to live. But were convinced it’s out Credit.
My husband, has a Bankruptcy on his report from 2000. And it’s still on his record. Is there any way to remove negitive marks on you credit report?
The landlord will look at two things. Your credit history and your income. Why are you convinced it is your credit? Is this what the landlords have been telling you. If so they can not just say your credit is not good enough, they must tell you the specific reasons why. The reasons they give are what you will need to work on. If they are telling you it is your income, then you either need to look at a less expensive place, or a way to come up with more money.
As for removing negative items, if they are valid you can not have them removed legally. The bankruptcy(Chapter 7?), will remain on your record for 10 years. Depending on when the accounts that were included in bankruptcy went delinquent, they should have either already fallen off, or will fall off in the next few months. Negative items can only remain on your report for 7 years from the date of the negative item. So for the charge-offs this is 7 years from the date of last delinquency.
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