Advice...2nd Time Credit Repair

aafemale · Jul 2, 2004

Ok guys. I need your help. I posted earlier and got some really good advice. Thanks to all who responded. I have 1 judgment, 2 paid collections, and a couple of 30 day lates. So I sent goodwill letters to my late accounts, and nutcase letters to the others. Just sent them off on 6/28. Then I ordered my credit report and this is where I need your guidance. My credit report:

Real Estate Accounts:
Count: 6
Balance ($): $1,815
Current: 4
Delinquent: 0
Other: 2

Revolving Accounts:
Count: 12
Balance ($): $9,102
Current: 10
Delinquent: 2
Other: 0

Installment Accounts:
Count: 2
Balance ($): $12,724
Current: 2
Delinquent: 0
Other: 0

Other Accounts:
Count: 0
Balance ($): $0
Current: 0
Delinquent: 0
Other: 0

Collection Accounts:
Count: 2
Balance ($): $0
Current: 2
Delinquent: 0
Other: 0

Total Accounts:
Count: 22
Balance ($): $23,641
Current: 18
Delinquent: 2
Other: 2

Accounts Summary:
Open Accounts: 7
Closed Accounts: 15
Public Records: 1
Inquiries (Prev 2 Years): 14

Judgment satisfied
Date Filed: Feb 19, 2003
Reference #:
Court: PRINCE GEORGES CO DIST
Plaintiff: CONDOMINIUM
Liability: Not reported
Asset Amount: Not reported

On the judgment, I lived out of state and was renting my property. Because of a job loss, the condo fees fell behind, and went to a collection agency. I paid them and sold the property, but it was placed on my CR anyway. I sent the condo association a "goodwill" letter hoping they might delete from file.

I've read some posts where some have removed old addresses. I haven't lived at that address for 4 years. Should I have CRA remove old addresses?

On the collection agencies, I paid them off (40) and (164). Sent them nutcase letters.

Household is pissing me off!! I called the corporate offices (CS) and told them I no longer had an account with them and was paying a collection agency. Plus the fact that they are reporting to CRA, faithfully!!) that I have a balance of 4,xxx. In reality, I have been paying the collection agency for over a year (117) and only owe 614. They told me it was still there account and they would continue to report it until it was paid in full. Is this legal??

Sorry for the long post, but I don't know which way to go, especially since this is my second try. I did get some things deleted back in December 2003.

Thanks for reading. Any advice welcome.

aafemale

Knowledge is Power ....