ok... here is a summery of my Equifax report.... as you can see it is a mess but many of them are old and many of them are for very small amounts (under 100) At least one have been paid off. (#14/16) should I treat account with two time lines as two indiviual accounts? My guess for now is the write Verification letters to Equifax for the older/smaller accounts.. The report I got didn;t give me full info like the address of the account holders or the full account numbers... OH well.. any advice would help... Equifax: 1) ASTA FUNDING Mar, 1998 CUSTOMER UNABLE TO LOCATE CONSUMER AUTO N/A 2)CHARTER ONE BANK,FSB Oct, 1994 Bad debt& placed for collection& skip 3)CHARTER ONE BANK,FSB (*Second Time Line) Oct, 1994 STUDENT LOAN DEFAULTED LOAN - CLAIM FILED AGAINST GUARANTOR Bad debt& placed for collection& skip 4)CHASE NA May, 1995 ACCOUNT CLOSED BY CREDIT GRANTOR Not more than two payments past due 5)CHASE NA (*Second time Line) May, 1995 CHARGED OFF ACCOUNT CREDIT CARD Bad debt& placed for collection & skip 6)COMMONWEALTH INFO SE Oct, 2001 Unpaid Unpaid 7)CREDIT ADJUSTMENT BO Oct, 1998 Unpaid Unpaid 8)GRAYSON FINANCIAL GR Apr, 1998 At least 120 days or more than four payments past due 9)NCO FINANCIAL SYSTEM Nov, 1998 Unpaid Unpaid 10)NY STATE HIGHER EDUC Jun, 1997 COLLECTION ACCOUNT STUDENT LOAN At least 120 days or more than four payments past due 11)NY STATE HIGHER EDUC (second time line) Jun, 1997 12)RMA PUR1 (Sears) CUSTOMER UNABLE TO LOCATE CONSUMER CHARGED OFF ACCOUNT Bad debt& placed for collection& skip 13)SEARS Jan, 1995 ACCOUNT TRANSFERRED OR SOLD COLLECTION ACCOUNT At least 120 days or more than four payments past due 14)U S DEPARTMENT OF ED Mar, 1996 STUDENT LOAN COLLECTION ACCOUNT At least 120 days or more than four payments past due 15)UNIVERSAL CREDIT COR Apr, 1997 Unpaid Unpaid 16)US DEPARTMENT OF EDU (Second Time Line) Mar, 1996 STUDENT LOAN COLLECTION ACCOUNT At least 120 days or more than four payments past due
Re: My Credit Report-what would you Tried to get secured card from Capital One. Paid on-time for a year or two to rebuild your credit history. Ron.
Re: My Credit Report-what would you I have the Cap One secured card covered... My Cap one car d(4 months old) and my Military Uniform Store card are my only good markings on my credit report.... My wife will make me an AU on her visa as well to help build (rebuild my credit) My Equifax report is the worst as far as how many people reported to it.. EP has about 12 things I need to delete or modify and TU has about
Capital One secured is a good step. Then Demand validation. Any thing that comes back as validated, offer up the settlement letter. Be sure to demand deletion for payment.
Re: My Credit Report-what would you At the same time you dispute the items as not mine, over 7 yrs. If it came back as unverifable items, they will delete it. May be you get another secured card from other bank like Orchard Bank. Ron.
Re: My Credit Report-what would you dispute everything over seven years... then dispute negs with cra's. I would do three at a time. (no scientific reason, but you gotta start somewhere). I would pursue validation on ca accounts ( I actually would start with ca accounts rather than oc.).
Re: My Credit Report-what would you oh, yes, I would immediately do something on the student loans. I would try for a retroactivit forbearance to get them out of default status maybe... I would work on repayment options. they do not go away easy and you do not want income tax seized or garnishment!
Re: My Credit Report-what would you OH Speaking of my Student loans... I have three.. FED Loan (recently paid off by my folks but still in credit report as neg) NYS State Loan Not paid off yet ( I have the full funds to pay but I want to work out a deal to get this off my report before I pay) University Loan (Paid of in full by my folks but still shows as Derog in my report) I am finding out what to do with my NYS Loan ( By the way that have been taking my Fed Income Tax return for the past three years) but what are my choices for the loans already paid? would a Nutcase letter be a good option for that? or something else?
Re: My Credit Report-what would you cibo- If they are taking your irs refunds....then up your exemptions so you get no refunds. You can declare up to 10 exemptions on a w-4 without any explanation....many times it is better to owe the irs than to let someone take your refund money. Just a suggestion. clc
