Okay, I'm checking my TU report. because everybody around here pulls tu. right now I expect to have three deletions in the next 30 days (two collections accounts and one paid student loan, that is listed as a collection account) My only negs will be as follows: First nat'l bank cancelled by credit grantor verified 3/02 balance 0 opened 12/99 most owed $633 closed 11/01 in prior 30 months forom date closed 1 time 90 days, 3 times 60 days and 4 times 30 days late max delinquency occurred 3/2000 Mortage updated 3/02 opened 4/99 status: paid or paying as agreed in prior 19 months 1 time 30 days late Providian verified 4/2002 balance 598 opened 08/98 most owed 878 status unrated max deliquency of 60 days occured in9/2000 two positive accounts capital one opened 2/2002 belden jewels opened 09/88 (oldest account) I know I need to get the first national bank account deleted and am sending the son of a nutcase letter tomorrow. I figure i can ask providian and mortage company for good will adjustments What else? anything? Do I need to open another cap one or just pfb for an increase and unsecured line (it is secured right now, so is providian)
Be it a cap 1 or any other, I think you need at least 1 if not 2 new accts. Maybe even open one of those secured loans for $500 - $1000 and pay it off over 6 mos to a years time.
thanks, i really should have thought of that. I am thinking amalgamated bank secured card credit union secured loan.
Have you tried to dispute Providian? I have found that they are fairly easy to dispute. I got a chargeoff deleted on the 1st round of disputes on 2 CRA's, the other on the 2nd round. Charlie
