new to the game

Discussion in 'Credit Talk' started by jazoone, Oct 23, 2002.

  1. jazoone

    jazoone Member

    I am new to this game, so go easy. Please advise what I can do to clean up my report. This is from Experian.
    Current score 643


    Unknown
    CHICAGO MUN CT-1ST DIST
    Identification Number: 9xxxxxxxxx/ Date Filed: 09/24/1997
    Status: Civil claim judgment.

    Credit card
    FNANB/CIRCUIT CITY
    Account Number: 1xxxxxxxxxxx.... / Date Opened: 02/1996
    Status: Paid in settlement/Account charged off.

    Student Loan
    GLHEC/CITIBANK N A
    Account Number: 3xxxxxxxxx.... / Date Opened: 01/1995
    Status: Open/Current, was past due 150 days.

    Old credit card
    UNIVERSAL CARD/CBSDNA
    Account Number: 5xxxxxxxxxxx... / Date Opened: 03/1995
    Status: Account charged off.

    Good standing
    FNB CHICAGO
    Account Number: 1xxxxxxxx.... / Date Opened: 06/1995
    Status: Paid/Never late.

    FEDERAL DIRECT STUDENT L
    Account Number: 3xxxxxxx.... / Date Opened: 12/1998
    Status: Open/Never late. Deferred, payment date unknown
     
  2. uniondiva

    uniondiva Well-Known Member

    Dispute the Judgement: never had a judgment

    Dsipute the Circuit city : it is from 96... not mine

    Dspute Citibank: this account is obsolete please delete

    Dispute universal card: the same as above

    Do not mess with the other accounts;

    You will need to get a secured card or some other form of additional positive credit soon.

    by the way... what is your score.....

    I would dispute online, just make sure your print out the confirmations.
     
  3. tonyastime

    tonyastime Well-Known Member

    Simply go up to Doc's credit repair primer at the top of the list. Here is wher you can get all the info to get started.
     
  4. Mecro

    Mecro Well-Known Member

    Thats a pretty good score considering the derogs. Mine is lower and I have much less derogs but I do have outstanding debt of about 14k
     
  5. jazoone

    jazoone Member

    my outstanding debt is about $7K
     

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