Civil judgement Docket Number#: 972203422 Circuit Court Entered: 08/1997 Plaintiff: YASUKO CONNER Assets: Amount: $1800 Plaintiff Attorney: Paid: -------------------------------------------------------------------------------- Civil judgement Docket Number#: 992171918 Circuit Court Entered: 07/1999 Plaintiff: STARBIRD ASSOCIATES Assets: Amount: $685 Plaintiff Attorney: Paid: -------------------------------------------------------------------------------- Civil judgement Docket Number#: 982193174 Circuit Court Entered: 08/1998 Plaintiff: JOV Assets: Amount: $975 Plaintiff Attorney: Paid: SEARS Acnt#: 52208372962 Revolving Account >Purchased by another lender< Charge Account Updated: 11/2002 Balance: $0 Individual Account Opened: 03/1996 Most Owed: $300 Payment Terms: $0 Paid Off: 11/1996 Past Due: $0 Credit Limit: $300 >Status as of 11/1996: Collection Account< -------------------------------------------------------------------------------- COLLECTION RECORD HSC REAL EST Acnt#: 649000674 Open Account >Placed for collection< Updated: 10/2002 Balance: $227 Individual Account Placed: 11/1996 Most Owed: $133 577 WINCHESTER Closed: Past Due: $133 >Status as of 10/2002: Collection Account< -------------------------------------------------------------------------------- COLLECTION RECORD DRMI Acnt#: 5643005719 Open Account >Placed for collection< Updated: 10/2002 Balance: $147 Individual Account Placed: 12/2001 Most Owed: $133 WINCHESTER HSC Closed: Past Due: $133 >Status as of 10/2002: Collection Account< -------------------------------------------------------------------------------- CAPITL 1 FSB Acnt#: 4121741341199128 Revolving Account >Profit and loss writeoff< Credit Card Updated: 10/2002 Balance: $1273 Individual Account Opened: 07/1995 Most Owed: $75 Payment Terms: $0 Closed: 11/1996 Past Due: $1273 Credit Limit: $0 >Status as of 11/1996: Charged off as bad debt< -------------------------------------------------------------------------------- COLLECTION RECORD ALLIANCEONE Acnt#: 1163749 Open Account >Paid collection< Updated: 01/2001 Balance: $0 Individual Account Placed: 06/1999 Most Owed: $177 KIRKLAND MUNICIPAL COURT Closed: Past Due: $177 >Status as of 01/2001: Payment after charge off/collection< -------------------------------------------------------------------------------- COLLECTION RECORD ALLIANCEONE Acnt#: 1191845 Open Account Updated: 01/2001 Balance: $225 Individual Account Placed: 08/1999 Most Owed: $225 TUKWILA MUNICIPAL COURT Closed: Past Due: $225 >Status as of 01/2001: Collection Account< -------------------------------------------------------------------------------- COLLECTION RECORD ALLIANCEONE Acnt#: 1022251 Open Account >Paid collection< Updated: 01/2001 Balance: $0 Individual Account Placed: 09/1998 Most Owed: $291 KIRKLAND MUNICIPAL COURT Closed: Past Due: $291 >Status as of 01/2001: Payment after charge off/collection< -------------------------------------------------------------------------------- COLLECTION RECORD ASSET ACCEPT Acnt#: 1852253 Open Account >No forwarding address< Updated: 12/2000 Balance: N/A Individual Account Placed: 09/2000 Most Owed: $12097 BANK ONE Closed: Past Due: $12097 >Status as of 12/2000: Unrated< -------------------------------------------------------------------------------- COLLECTION RECORD OSI COLL SVC Acnt#: 7043686 Open Account >Placed for collection< Updated: 05/1999 Balance: $101 Individual Account Placed: 06/1997 Most Owed: $101 SEATTLE CITY LIGHT Closed: Past Due: $101 >Status as of 05/1999: Collection Account< -------------------------------------------------------------------------------- COLLECTION RECORD EVERGRN PROF Acnt#: 1058380 Open Account >Placed for collection< Updated: 11/1998 Balance: $204 Individual Account Placed: 09/1998 Most Owed: $201 QUALITY FOOD CENTER Closed: Past Due: $201 >Status as of 11/1998: Collection Account< -------------------------------------------------------------------------------- COLLECTION RECORD ALLIANCEONE Acnt#: 1022252 Open Account >Placed for collection< Updated: 10/1998 Balance: $146 Individual Account Placed: 09/1998 Most Owed: $146 KIRKLAND MUNICIPAL COURT Closed: Past Due: $146 >Status as of 10/1998: Collection Account< -------------------------------------------------------------------------------- BANK ONE Acnt#: 130074156027 Installment Account >Profit and loss writeoff< Automobile Updated: 03/1998 Balance: $8877 Individual Account Opened: 04/1996 Most Owed: $9900 Payment Terms: 54 Monthly $276 Closed: 03/1998 Past Due: $0 Credit Limit: $0 0582 94 HONDA 2DR CPE CIVIC >Status as of 03/1998: Charged off as bad debt< -------------------------------------------------------------------------------- COLLECTION RECORD WCI FIN SVCS Acnt#: 1801078 Open Account >Placed for collection< Updated: 02/1998 Balance: $176 Individual Account Placed: 06/1997 Most Owed: $176 PUGET SOUND ENERGY WA NAT GAS Closed: Past Due: $176 >Status as of 02/1998: Collection Account< return to top
Just *skimmed* over your info. First thing, have you disputed any of these tradelines yet? I'd start there, try to "cut-off all the low hanging fruit".
I have, yes. Ijust went thru and disputed a few more. Looking for good sugesstions on the ASSET ACCEPTANCE , along with any other help. disputing online, now, this round... seems like it could work. A few of those are court/fines/fees. anyone have exp with a CA and FINES?
yes, just dispute with cra's first and see what happens. please read the first three posts and the fcra and fdcpa to assist you in your repair!
suggestions, diva? I have read, I dont know where to start. big one? or the little ones? what is listed here, is 4 pages LESS than my first report.
I would start with the OSI tradeline. Based on personal experience and the experience of others on this board...they cannot validate. They don't tend to respond to validation requests, but after sending one or two, you can call their compliance department (i.e. legal) and often times get it taken off with a letter of apology for your incovenience. Don't despair. In October of last year, my TU was 495 with twelve derogs. Today it ranges between 635 (due to high balances and TU and Citi not reporting limits) and 672 with no derogs. Just takes patience and persistence. Good luck! L
okay, I am reading the FAQ. Send them a direct dispute letter, or the CRA? the CRA verified it already!
Your CR looks like mine did 2 months ago. I disputed everything as not mine back in Oct only with EQ, got 8 deletions. It only looks impossible but you would be surprised at the effectiveness of the not mine strategy.Chod is on now, go for it. Attack
You already answered your own question, Plysaker. Send it certified, return receipt requested. Nice to meet you. Sassy
Tomorrow, I send it of, starting with the OSI, and one of the oldest. even tho the have been verified, by the CRA, right?
Yes plysaker, Verification by the CRA only means someone called up and said YO Plysaker says this isn't his and someone on the other end said, yeah it is. Actually, I'd dispute first and send validation letters to the remaining CA's and verification letters to the remaining OC's. Then figure a plan for each of the remaining tradelines depending on what's left. That said, as an ode to dearest swaying, flicking and humming humblemarc, you have to also spend some time reading the first three threads that are pinned to the top of the messages. Here's a link explaining validation specifically: http://www.creditinfocenter.com/rebuild/debt_validation.shtml You've got to figure what each tradeline's statute of limitations are. If you are still within the SOL for enforcement, that may be something you want to consider -- be careful of those if you're concerned about additional judgments. WhyChat's site lists the SOL's, there's a link in the pinned FAQ. Go to lawdog.com and look up the specifics for your state. Some state's go a lot further than the FCRA and FDCPA -- both required reading! Gosh, that will get you started ;-) The best for an overall overview, and I got this site from here a year or so ago, I think from Marie (another thank you to her) is this one, besides the information here of course: http://mixsix.com/credit/ It seems overwhelming at first but you'll get there. My TU score was almost exactly 100 points lower than yours when I started, BELIEVE IT, I'd never seen one before, thought it was top-secret stuff with no recourse And please, if you post again saying please people tell me what to do, never believe what you read here or anywhere else, use the information as a starting point and see that it is verified. A sure way to get a response here is to give bad advice, however given the friction that comes with responding to bad advice anymore a lot of wise c-netters haven't been responding. There's no shortcut to the homework but you'll come to enjoy the process, I promise. Sassy
check out this link on validation too. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=274783#post274783
