Below is my credit report. Please help me create a plan of action. I APPRECIATE EVERYONES help in advance! --------------my report---------------------------------- CR || Date Reported || Last Active || Status || Agency -- FFELP || 5/02 || 5/02 || Cur was 90 || TU/EF late dates 4/02 - 90 FFELP || 5/02 || 5/02 || Cur was 90 || TU/EF late dates 4/02 - 90 FFELP || 5/02 || 5/02 || Cur was 90 || TU/EF late dates 4/02 - 90 FFELP || 5/02 || 5/02 || Cur was 90 || TU/EF late dates 4/02 - 90 *above are 4 separate student loans -- 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 *above are 4 separate student loans *i think sallie maes and the 3rd part posted *on my cr for the same dates -- 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 *above are 4 separate student loans ---- 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 *above are 4 separate student loans ---- 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 *above aps ans az public are same company * same balance due, did they post it twice and changed the reporting agency name? -- collection cnt || 7/99 || --/-- || collection || XP --------------my wifes---------------------------------- CR || Date Reported || Last Active || Status || Agency -- AMEX || 5/02 || 4/96 || charge off || XP/EF -canceled by credit grantor AMEX || 5/02 || 7/96 || charge off || TU -canceled by credit grantor AMEX || 5/02 || 7/96 || charge off || XP/TU/EF -canceled by credit grantor *same account 2 are for sma total 1 is a lower total --- 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 --------------Joint---------------------------------- CR || Date Reported || Last Active || Status || Agency Progressive || 2/99 || 6/98 || Paid Collect || XP * not sure why this is listed as joint
<<Bump>> For the student loan and BK experts... I would begin by mass disputing. At the same time I would be validating all the older listings especially anything out of SOL (your wife has some older items that should be easier to attack). There are a couple of items that look reaged...though I can not tell on this TRI-MERGED report. My stubborn belief is, for DISPUTING, to get your reports separately and direct from the horses mouth (from Experian, TransUnion and Equifax). That way you know the accuracy of the reported information, and you have a clean copy to begin your disputing. -Peace, Dave
i agree, get copies of your individual credit reports and then post what is happening on those. I would begin disputing all the older info. for your student loan informaton. i will look at your post again and respond shortly.
Thanks... I will get those reports. So do you think that I should send a dispute letter to the CRA's for the 4 companies x 4 accounts. And the same week send dispute letters for my SOL accounts? On the same dispute letter? Wont this tactic come back as frivolous? Also, do the same for my wife with her SOL accounts? On the same dispute letter? I really appreciate your help!
Dispute them all. Doesn't matter time table, I did all mine at once. Some people do their 3 at a time. Just do what you feel is not accurate.
thanks for the info...any body else have any tips? Or can read my CR above and offer any advice? <bump>
