I have my credit report from annualcreditreport.com (Its posted on on previous post) Should I send Dv letters? Or prove it or remove it letters? Secondly, Where do the letters go? To the orignal debt or the cra? Third, if I pay off a debt. Will it be deleted or will that be another letter? Fourth, should I get a secured credit card to start generating good credit? Fifth and final, is there any debt that CANT be deleted? Thanks in advance!
I lied. I have another question. When I write the letters should put all of the disputes on one letter OR write a separate letter for each dispute? Hope i get answers soon, I want to write the letters this weekend. See my Credit report below. Initiate a Dispute Personal Credit Report Source: TransUnion -Begin Credit Report- . CALIFORNIA FEDERAL COURT Docket# 325571255 E. TEMPLE STRE FIRST FLOOR LOS ANGELES, CA 90012(213) 894-3118Type:CHAPTER 7 BANKRUPTCY DISCHARGEDCourt Type:Federal District Date Filed:06/10/2003Date Paid:09/22/2003Responsibility:Individual Debt Plaintiff AttorneyRO SE Liabilities:$0Assets:$0 Estimated month and year that this item will be removed: 05/2013 LA COUNTY / RECORDER OF Docket# 20100957985500 W TEMPLE STREE LOS ANGELES, CA 90012(562) 462-2125Type:STATE TAX LIEN Court Type:Recorder of Deeds Date Filed:07/14/2010Responsibility:Individual Debt Amount:$1,426 Estimated month and year that this item will be removed: 06/2020 SANTANDER CONSUMER USA #3000013192069****8585 N STEMMONS FWY STE 1000 DALLAS, TX 75247 (866) 923-9282 Balance:$0Date Updated:06/23/2010High Balance:$12,758Last Payment:06/23/2010Pay Status:>Account 60 Days Past Due Date<Account Type:Installment AccountResponsibility:Individual AccountTerms:$399 Monthly for 54 monthsDate Opened:02/11/2006Date Closed:06/23/2010Loan Type: AUTOMOBILE Remarks: CLOSED >Maximum Delinquency of 60 days occurred in 11/2009 for $1,038< Estimated month and year that this item will be removed: 06/2016 Late Payments (48 months) 1620Last 48 months TFC CREDIT CORP #T13500****POB 579 SAN RAMON, CA 94583 (925) 838-1222 Balance:$5,585Date Updated:03/31/2011High Balance:$4,952Past Due: >$2,042< Last Payment:01/25/2010Pay Status:>In Collection<Account Type:Installment AccountResponsibility:Individual AccountTerms:$253 Monthly for 30 monthsDate Opened:10/15/2009Date Closed:03/27/2011Loan Type: STUDENT LOAN Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 02/2017 AD ASTRA RECOVERY SVS IN #6478**3607 N RIDGE RD STE 106 WICHITA, KS 67205 (866) 398-2089 Balance:$315Date Updated:01/01/2012Original Amount:$315Original Creditor:SPEEDY CASH 3 (Financial)Past Due: >$315< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 08/30/2007 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 01/2014 AFNI #203531****POB 3097 BLOOMINGTON, IL 61702 (800) 371-3645 Balance:$183Date Updated:06/07/2009Original Amount:$183Original Creditor:VERIZON INC (Utilities)Past Due: >$183< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: FACTORING COMPANY ACCOUNT Date Placed for Collection: 04/17/2009 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 07/2014 CMI #3158****4200 INTERNATIONAL PKWY CARROLLTON, TX 75007-1912 (800) 377-7723 Balance:$169Date Updated:05/26/2006Original Amount:$169Original Creditor:COMCAST VIDEO DATA (Cable/Cellular)Past Due: >$169< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 02/12/2006 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 08/2012 CONVERGENT OUTSOURCING #4239****500 SW 7TH ST BUILDING A 100 RENTON, WA 98055-2983 (800) 444-8485 Balance:$1,114Date Updated:03/13/2011Original Amount:$1,114Original Creditor:WASHINGTON MUTUAL BANKPast Due: >$1,114< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 01/11/2008 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 10/2013 DESIGNED RECEIVABLE SOLU #HLTHFRE201239****1 CENTERPOINTE DR STE 450 LA PALMA, CA 90623-1089 (714) 735-3000 Balance:$445Date Updated:01/13/2012Original Amount:$419Original Creditor:MEDICAL-MARINA DEL REY HOSPITAL (Medical/Health Care)Past Due: >$445< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 10/24/2011 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 04/2018 HERBERT P SEARS CO INC #B950WES100181****2000 18TH ST BAKERSFIELD, CA 93301 (661) 325-5981 Balance:$469Date Updated:01/03/2012Original Amount:$372Original Creditor:MEDICAL-MEDICAL PAYMENT DATA (Medical/Health Care)Past Due: >$469< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 11/16/2011 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 04/2016 INNOVATIVE COLLECTIONS #70I110237694NK****PO BOX 3500 TUSTIN, CA 92781 (800) 420-3986 Balance:$84Date Updated:12/21/2005Original Amount:$84Original Creditor:UC REGENTS C O UCLA PARKING (Government)Past Due: >$84< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 10/19/2005 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 09/2012 RJM ACQUISITIONS LLC/ MU #87R8046****575 UNDERHILL BLVD SUITE 224 SYOSSET, NY 11791 (800) 268-0623 Balance:$36Date Updated:12/31/2011Original Amount:$36Original Creditor:BMG MUSIC CLUB (Retail)Past Due: >$36< Pay Status:>In Collection<Account Type:Open AccountResponsibility:Individual AccountLoan Type: FACTORING COMPANY ACCOUNT Date Placed for Collection: 10/01/2008 Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 08/2012 The following accounts are reported with no adverse information. SALLIE MAE #98369305531E00****POB 9635 WILKES-BARRE, PA 18773-9635 Phone number not available Balance:$3,664Date Updated:12/31/2011High Balance:$3,500Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:Monthly for 120 monthsDate Opened:07/01/2009Loan Type: STUDENT LOAN Special Payment: Payment deferred until 07/02/2012 Remarks: PAYMENT DEFERRED Late Payments (29 months) 000Last 29 months SALLIE MAE #98369305531E00****POB 9635 WILKES-BARRE, PA 18773-9635 Phone number not available Balance:$7,021Date Updated:12/31/2011High Balance:$6,000Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:Monthly for 120 monthsDate Opened:07/01/2009Loan Type: STUDENT LOAN Special Payment: Payment deferred until 07/02/2012 Remarks: PAYMENT DEFERRED Late Payments (26 months) 000Last 26 months SALLIE MAE #98369305531E00****POB 9635 WILKES-BARRE, PA 18773-9635 Phone number not available Balance:$6,755Date Updated:12/31/2011High Balance:$6,000Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:Monthly for 120 monthsDate Opened:01/26/2010Loan Type: STUDENT LOAN Special Payment: Payment deferred until 07/02/2012 Remarks: PAYMENT DEFERRED Late Payments (23 months) 000Last 23 months SALLIE MAE #98369305531E00****POB 9635 WILKES-BARRE, PA 18773-9635 Phone number not available Balance:$4,711Date Updated:12/31/2011High Balance:$4,500Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:Monthly for 120 monthsDate Opened:01/26/2010Loan Type: STUDENT LOAN Special Payment: Payment deferred until 07/02/2012 Remarks: PAYMENT DEFERRED Late Payments (14 months) 000Last 14 months TFC CREDIT CORP #T13500****POB 579 SAN RAMON, CA 94583 (925) 838-1222 Balance:$0Date Updated:10/22/2009High Balance:$5,359Last Payment:10/22/2009Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:$150 Monthly for 36 monthsDate Opened:05/26/2009Date Closed:10/22/2009Loan Type: STUDENT LOAN Remarks: ACCT CLOSED DUE TO REFINANCE Late Payments (3 months) 000Last 3 months TFC CREDIT CORP #T13500****POB 579 SAN RAMON, CA 94583 (925) 838-1222 Balance:$0Date Updated:07/25/2009High Balance:$5,359Last Payment:07/16/2009Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:$173 Monthly for 36 monthsDate Opened:04/09/2009Date Closed:07/25/2009Loan Type: STUDENT LOAN Remarks: ACCT CLOSED DUE TO REFINANCE Late Payments (2 months) 000Last 2 months -End of Credit Report-
I can answer some of your questions. If a collection agency has purchase your debt then you have to deal with them not the original creditor. To have a collection remove from your credit you will have to negotiate that with the OC or CA before you pay the balance off. If you just pay the debt off they will just update the status to paid or settled. Getting a secured card is a great way to start building your credit. Start charging 10% of the credit limit every month and pay your balance off every month. After 6 months apply for a credit card that is not secured. Thanks! Heather with BoostMyScore.NET
