I am new here, and have looked over the FAQ's and over the different letters. I was wondering if any one could give me advise (looks like everyone on here gives great advise) on which letter you think may work to help me get some things deleted. My husband and I are trying to work on our credit so we can buy a house next year. I have a PAID CHARGE OFF; PAID PROFIT AND LOSS from a cellular company. The last reported date was 9/2000. I have a PAID COLLECTION. Last date reported was 3/2001. I have another PAID COLLECTION, last date reported was 8/2001. please help with any suggestions on what may get these off.
I'd try disputing them as "not mine" and see if some of them come off. Worry about whatever is left after the first round of disputes. Gib
