paid off but neg still there..

Are they showing as paid accounts? Technically, the information is accurate, if the account was 30-60 days late at one time. If you were to dispute more than likely they will come back verified.

 

You can always try a goodwill letter. Some companies will oblige if you've been a good customer otherwise.

Good luck!

 

I thought there was a letter to try, but I couldn't remember the name of it. I wouldn't close the accounts, just don't use it.

 

I don't know if Goodwill is the *only* way, but it can work under the right circumstances. As for addresses, you can look them up online. I always go with the "customer service" address instead of an address for payment or inquiries... they seem to be a bit better equipped for these sorts of things.

 

Don't overlook calling and trying to request a goodwill removal of the lates. Sometimes they will remove 30 days, if it's close. You may have trouble with the 60 day late, but it never hurts to ask. Even if you get 1 or 2, you're ahead!

 

I wouldn't close the accounts, either. It helps your history and your utilization.

Use each one occasionally (every few months) for a couple of tanks of gas or something, then pay if off. That keeps the account active.

 

Definitely agree, o not close the accounts, and show some activity. In the long run maintaining the account will help your credit score.

As a note, "30 day lates" are not considered "serious", the 60 day lates are. I would try "goodwill requests" for removal. But the impact of these negatives will decrease with time, and it won't take that long.

 

Especially if it's the only bad mark. Keep your accounts current and your balances low and your score will bounce back fairly quickly.

 

BestBuy is an HSBC company and they ALWAYS verify, Dont Dispute the account, that looks even WORSE that just the late payments, and credit repoair companies, all they do is send out a dispute letter and anything not verifiable will come off but almost evverything is verified and will not only stay on but now shoe up as CONSUMER DISPUTED ACCOUNT. There is however a 3rd route, if you are interested i can send you some information, these people actually PERMAMENTLY DELTE the late payments, even though they are verifyable. EMAIL REMOVED BY MOD

 

If it sounds too good to be true, it probably is...

 

Yea, you go ask them to fill out a fraud affidavit with the local police department. Sure, under the FCRA it must be blocked but, it is also at least a misdemeanor. Still, the Credit Service Organizations are the crooks, right?

Also, an account marked as being in dispute will not be calculated into your credit scores. This is a good thing as is the notation itself insofar as it enables a reviewer to see that something isn't absolutely correct.

Geez . . .

 

But when all you're trying to do is spam a board with advertisments of your "services," why would you care about the way things really work?

 

Because I'm an awful bastard that can't quote . . .

 

Oh, I forgot that part.