Okay so I am still in the process of disputing things and getting them removed from my credit report. I've gotten several things removed but I still have more to go. You can basically have anything you want removed if you challenge it enough. Theres always incorrect information- from the date opened, to the credit limit, etc etc. So basically I can have any of the items below removed completely from my report for this reason if I want to remove them. I checked them all, and I can get every single one of them removed on a technicality due to the FCRA. The question is... should I? Will it help or hinder my score? I'm thinking it will help my score, but I know closed accounts look bad... but the payment history looks good.
1.) So I went through a chapter 7 bankruptcy to get rid of medical bills, but in the process (since its ch 7 after all) I lost all my credit cards because filing for bankruptcy closes them all regardless of how much you owed or didn't owe. So now I have several marks on my credit report of credit cards with a long history of on-time payments and $0 balances that are now closed due to the bankruptcy. Since they have a perfect payment history listed, should I also challenge and remove these? Or should I leave it (at least for now) to reflect my payment history? Will it raise my score or hurt it?
2.) One of my credit bureaus lists my old job that I haven't worked at in over 4 years on my report as my current employer. It says on my report its verified, though they verified it a month before I quit. The other 2 bureaus have my employer listed blank. Should I leave the old employer on my report? Will it add to my credibility if I leave it on there, or cause more problems since I've been self-employed for years now and it does not reflect that?
Obviously these things are not a big deal and don't really matter, but my goal is to raise my score and credibility as quickly as possible so I don't have to worry about it as much in the future. But I just want to know if doing these things will help? I've read a bunch of credit repair books, but these issues were not addressed.



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