Zillow Advice: Credit Scores - Need help/information. http://www.zillow.com/advice-thread/Need-help-information/385150/ Zillow Advice | Zillow Real Estate Alfred,In your profile you ... http://www.zillow.com/advice-thread/Need-help-information/385150/ Alfred,<br/><br/>In your profile you list:<br/><br/><p>Specialties:</p><div style="text-align: left;">Refinancing, Home Equity, Mortgage Planning, Mortgage Coach<br/><br/>Are you licensed to provide these services or are these just hobbies you list?<br/><br/></div> Thu, 03 Mar 2011 10:40:00 GMT http://www.zillow.com/advice-thread/Need-help-information/385150/ 2011-03-03T10:40:00Z The Credit Bureaus by law ... http://www.zillow.com/advice-thread/Need-help-information/385150/ The Credit Bureaus by law MUST report accurate information.<br/>If your Bureau contains in accurate information simply contact each Bureau and request them to correct their mistakes. You must have proof of your true record to share with them.&nbsp; They have a limited time to correct their mistakes so chances are very good you could increase your Score faster than you think by contacting the Credit Bureau directly yourself.<br/> Thu, 03 Mar 2011 02:41:00 GMT http://www.zillow.com/advice-thread/Need-help-information/385150/ 2011-03-03T02:41:00Z First thing you need to do ... http://www.zillow.com/advice-thread/Need-help-information/385150/ First thing you need to do is print out your credit report and go through it line item at a time to analyze what's what. After a BK your credit report will be a disaster. Meaning half of your&nbsp;creditors may not have updated the bureau's. It's up to you to untangle the mess.<br/><br/>Your loan officer "may" be able to help you organize and game plan. <br/><br/>Your BK discharge will list all the debtors that were satisfied. Use that to update the bureaus. From there,..any accounts that went delinquint after the BK put your further into the hole.<br/><br/>With credit you either owe or you do not owe. There is no in between. There is no,.."i did not know about the termination charge"...for example. <br/> Wed, 09 Feb 2011 16:09:00 GMT http://www.zillow.com/advice-thread/Need-help-information/385150/ 2011-02-09T16:09:00Z It sounds like the bureau's ... http://www.zillow.com/advice-thread/Need-help-information/385150/ It sounds like the bureau's haven't received a copy of your discharge.&nbsp; I would work with a local lender&nbsp;on this.&nbsp; I would send the discharge to my bureau and get advise directly from them.&nbsp;My bureau would also advise me of the cost involved to get it re-scored.&nbsp; &nbsp;&nbsp; Wed, 09 Feb 2011 15:58:00 GMT http://www.zillow.com/advice-thread/Need-help-information/385150/ 2011-02-09T15:58:00Z Your best bet is to get with ... http://www.zillow.com/advice-thread/Need-help-information/385150/ Your best bet is to get with a lender that can talk you thru the process of taking care of the issues on your credit report. You current score is probably to low to obtain a loan unless you have 5 to10% to put down. If you need a lender referral contact me directly. Wed, 09 Feb 2011 15:00:00 GMT http://www.zillow.com/advice-thread/Need-help-information/385150/ 2011-02-09T15:00:00Z