Can TL be removed.

Discussion in 'Credit Talk' started by brklyn5, Aug 6, 2003.

  1. brklyn5

    brklyn5 Member

    Ok, I've asked questions about my credit here before & I've been told that I need to post details about my situation to get better responses to my questions. So here goes I've blocked out the account numbers to protect the innocent :)

    Alltel Communications = This is a fraudulent account that was opened in S.C. with my Social Security number. I've got this straighten out with the company last year but for some reason this has popped up again. It's listed as a charged off account on my credit report.
    On my Equifax Report it's listed as = 09
    On my Experian Report it's listed as = charge off
    On my Tu Report = it's not listed at all
    Can this be knocked off my credit?

    Amex = This is an old credit card account. I've paid this account sometime ago & it's closed. The account was closed in 2000
    On my Equifax Report it's listed as = R9
    On my Experian Report it's listed as = Paid/Charge Off
    On my Tu Report = it's not listed at all
    Can I get this knocked off my credit?

    Bank1st = Current Credit Card (In good standing)
    On my Equifax Report it's listed as = R1
    On my Experian Report it's listed as = Open/Current 30days late as of 4-2000
    On my Tu Report = it's not listed at all

    Spiegel = Old credit card account / shared account w/ old girlfriend
    On my Equifax Report = it's not listed at all
    On my Experian Report it's listed as = Paid / Past due 150 days.
    On my Tu Report = It's not listed at all
    I'm not if this has been paid or not, since this isn't my account can I get this taken off of my credit report?

    Ford Motor Credit = Car payment, I've just purchased a new car so this account has been paid off.
    On my Equifax Report it's listed as =I1
    On my Experian Report it's listed as = Open/Current was past due 30 days as of 4-2003
    On my Tu Report it's listed as = 9 times 30 days late (this is over a 4 yr. period)

    Capital One Bank = This is an old credit card account, closed as of 1998 or 1999
    On my Equifax Report = It's not listed at all.
    On my Experian Report it's listed as = Status: Paid/Never Late account closed by consumer's request
    On my Tu Report it's listed as = Status as of 12/97 paid or paying as agreed. Max delinquency 60 days in 8 / 1997

    These are just some highlights on my credit reports. I've already posted how Providian has sold my account to Aspire & they've closed my other credit card. What I need to know is =
    Can I get the old Cap One, Spiegel, Amex & Alltel Communications knocked off my credit reports? If so how should I go about it? Goodwill Letter? Nutcase? What's the best way to go about this?
    Any help will be much appreciated.
     
  2. tiger00

    tiger00 Well-Known Member

    Paid collections - goodwill & nutcase, unpaid - validation. The answer to all is YES, they can be removed. Best advice is to read and search the posts (I know, it's a broken record), but this is a very similar situation to many listed before.

    GOOD LUCK and WELCOME!!!
     
  3. brklyn5

    brklyn5 Member

    ok, i'll do my homework & search the board. :)
    I supposed I just couldn't send a virus to the OC computers or something...

    just kidding....
     

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