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It doesn’t matter that your bk has been discharged, it will still show on your report, if not now, very soon, and it will stay on your report for at least 7 years from the date of last activity.

Please get a book on bk, credit, credit reports, money and credit etc, and it will give you valuable information on credit and money. You can also get a credit conselor/agency to help you, or assist you in deleting some of the negative information. Just do your research and find a reputable company.

You have to authorize the inquiries. If you believe someone made an inquiry without your approval you can send them a dispute letter. Below is a link which contains a sample dispute letter for an inquiry.

They just look to see what your credit is like and if you are in financial difficulty, because you may be tempted to steal.

Charge-offs can stay on your report for up to 7.5 years….paid or unpaid… You might be able to negotiate a Pay for Delete agreement…where the creditor/collection agency agrees to remove the charge-off after you paid the agreed to amount…You have to pay very close to the full amount to be able to do this….Be sure to get all terms in writing first prior to giving them money….Never,ever accept verbal promises over the phone that can’t be proven.

Also you can find some advice here…

All the best to you.

Derogatory items age off your credit file in 7-1/2 years from the date of first deficiency. However, accounts in good standing stay longer. Since this account has a positive impact on your file, there really is no reason to delete it.

I can’t imagine what “personal reasons” you might have for wanting this account removed. It isn’t like a lot of people will see this account on your file.

Here is article that will explain this.

Blah Blah Blah Blah !!!

Clean up the bad items by paying them off or making repayment arrangements today. Get letters from them that you have cleared them up and that your accounts are now in good standing, or closed, whatever.

Frankly, I don’t know what the banks look for but I suspect honesty, maturity, and taking responsibility to clear them up and not get into that position again will go a long way to helping your cause.

Good Luck