I am in the process of cleaning up my credit and I am not sure where to start first. Should I call the creditors, dispute with the CRA's. Which letters do I use (first) from the board here? How far apart should I send my dispute letters? My wife has a BK from 96 and has a better fica score, how can I remove her BK? Any answers or links to post would help. THANKS IN ADVANCE!
My report PLZ help Ok I typed up my report. I would appreciate the help! Thanks in ADVANCE! ----------my report---------------------------------- CR Date Reported Last Active Status Agency ------------------------------------------------------------------------------------------------------------------- FFELP 5/02 5/02 Current was 90 TU/EF late dates 4/02 - 90 FFELP 5/02 5/02 Current was 90 TU/EF late dates 4/02 - 90 FFELP 5/02 5/02 Current was 90 TU/EF late dates 4/02 - 90 FFELP 5/02 5/02 Current was 90 TU/EF late dates 4/02 - 90 Sallie Mae 4/02 2/02 Delq 90 XP/EF Sallie Mae 4/02 2/02 Delq 90 XP/EF Sallie Mae 4/02 2/02 Delq 90 XP/EF Sallie Mae 4/02 2/02 Delq 90 XP/EF Stdnt Ln mk 10/99 --/-- PD was 90 XP - Last Late 11/96 xfrd to another lndr or claim Stdnt Ln mk 10/99 --/-- PD was 90 XP - Last Late 11/96 xfrd to another lndr or claim Stdnt Ln mk 10/99 --/-- PD was 90 XP - Last Late 11/96 xfrd to another lndr or claim Stdnt Ln mk 10/99 --/-- PD was 90 XP - Last Late 11/96 xfrd to another lndr or claim LSCT 10/99 4/98 PD ws 90 TU - Late Days 11/96-120, 10/96-90 xfrd to another lndr LSCT 10/99 4/98 PD ws 90 TU - Late Days 11/96-120, 10/96-90 xfrd to another lndr LSCT 10/99 4/98 PD ws 90 TU - Late Days 9/99-90, 11/96-120, 10/96-90 xfrd to another lndr LSCT 10/99 4/98 PD ws 90 TU - Late Days 9/99-90, 11/96-120, 10/96-90 xfrd to another lndr Mobil 12/97 --/-- Charge off TU Gulfstate 5/02 7/96 collection XP\TU/EF Medical 5/02 --/-- collection XP/TU/EF APS 11/99 9/95 charge off TU/EF AZ public 4/02 12/95 charge off TU/EF collection cnt 7/99 --/-- collection XP --------------------------------------------my wifes-------------------------------------------------------- CR Date Reported Last Active Status Agency ------------------------------------------------------------------------------------------------------------------- AMEX 5/02 4/96 charge off XP/EF AMEX 5/02 7/96 charge off TU AMEX 5/02 7/96 charge off XP/TU/EF Chase 1/96 1/96 charge off TU/EF - late dates 12/95-120, 11/95,120, 10/95-90 was included in BK not listed as in CR Broadway 12/95 7/95 charge off TU was listed in BK not listed as in CR BOFA 12/95 9/95 charge off TU Macy's 3/99 --/-- BK XP Robinson May 5/02 --/-- BK XP/EF Wells FRGO 5/02 --/-- BK XP/TU/EF XPRS 11/01 10/95 BK XP/TU/EF CM 12/98 11/95 BK XP/EF --------------------------------------------listed as joint-------------------------------------------------------- CR Date Reported Last Active Status Agency ------------------------------------------------------------------------------------------------------------------------- Progressive 2/99 6/98 Paid Collect XP
