Hello, Newbie here. I have been slowly but surely working at raising my score over the past 3-4 months, and it's time to get serious. I want to purchase a home by September, and my credit is holding me back. I have a 581 (EXP), and the other two show 513. This is from my credit report run by the mortgage company. My Truecredit scores are a bit different. Here's what I am looking at (the negatives): DTE Energy Condition: Derogatory Balance: $323 Type: Unknown - credit extension, review, or collection Collection Pay Status: Collection/Chargeoff Late 120 Days Creditor Name: COLLECTION Original Creditor: 09 HOLLYWOOD VIDEO Responsibility: Individual Condition: Derogatory Original Balance: $203 Balance: $203 Date Opened: 03/06/2006 Date Reported: 06/20/2007 RJM ACQ LLC RJM ACQ LLC Original Creditor: 08 CHARTER ONE BANK BANK CHECKING ACCT Responsibility: Individual Condition: Derogatory Original Balance: $340 Balance: $340 Date Opened: 08/30/2007 08/2007 Date Reported: 03/31/2008 03/31/2008 Creditor Name: CRD PRT ASSO Original Creditor: COMCAST CABLE Responsibility: Individual Condition: Derogatory Original Balance: $230 Balance: $230 Date Opened: 03/01/2006 03/2006 Date Reported: 12/08/2007 02/2008 Creditor Name: Original Creditor: CINGULAR WIRELE Responsibility: Individual Condition: Derogatory Original Balance: $575 Balance: $575 Date Opened: 11/2005 Date Reported: 03/2006 Creditor Name: I C SYSTEM I C SYSTEM INC Original Creditor: 02 BANFIELD THE PET HOSPITAL Responsibility: Individual Condition: Derogatory Original Balance: $170 Balance: $170 Date Opened: 10/28/2004 10/2004 10/2004 Date Reported: 04/19/2008 04/26/2008 04/2008 That's everything. Back in October of last year I opened two secure credit card accounts, both of which I maintain a tiny balance (maybe $20). I also have an auto loan that has not had a late payment in over a year. I did send off dispute letters to the 3 credit bureaus for most of what you see above. They were mailed off on April 15th, and I have not heard back from them as of yet. As I said earlier, I am looking to get this cleaned up by September. Does anyone have any advise? Is that a feasible time frame? What should my next steps be? I GREATLY appreciate and advice that you could give me. Thank you so much, in advance!!
Disputing on what grounds? What information listed is incorrect? Have you attempted a pay for deletion letter?
The only really inaccurate information is the Hollywood Video (I have not had an account there, I'm not even sure where one is in my area) and the Cingular Wireless. The IC Systems was disputed as soon as I received the original bill. The original bill was for a vet plan that was cancelled due to the doctor trying to SPAY my MALE cat. I cancelled the plan immediately, and they still say that I have to pay for this mistake. I will pay it if I have to, because in the long run it will save me money. I have already spoken with the vet, their Corporate office, and IC Systems - and got nowhere. I have only sent out one pay for deletion letter (about 3 weeks ago), for the Charter One account. I have not received anything back from RJM regarding this. I did, however, receive a letter from another company (claiming to respresent RJM), offering me a settlement. BUT, the letter that I rececived does not say anything about a deletion.
