My credit scores are low. TU= 543, EX= 561. Many of my negative lines will fall off in the next 2 years but if I can do anything about it sooner I'd like to. Here are my negatives: Afni inc/ Cingular balance $1110 DOLA 7/2004 Date major del 1st reported 9/06 (??) collection account (account was mine but $$ seems way high) Asset Acceptance Corp/Providian balance $0 DOLPayment 2/02 DOLA 8/00 paid collection (verified) Capital One balance 0 DOLPay 11/00 DOLA 11/00 date major del reported 10/03 (??) paid charge off (verified) Figis balance $31 DOLA 2/04 collection will pay for deletion? HSBC balance 0 DOLA 9/03 charge off Swiss colony balance $173 dola 2/02 charge off will pay for deletion? Calvary/Americredit balance $6834 assigned 12/02 date of 1sr del 5/02 collection (verified) NorfolK Financial/household bank balance 1275 Date of status 9/06 collection (I don't believe this is my account or the dates are very very wrong. I have disputed this account and it has been verified. I have requested validation) David taylor and Assoc./household bank balance 1284 date of status 10/06 collection (I think this is the same as above account. will dispute as not mine first) Providian balance 1365 charge off/transferred date of status 3/02 (verified 1/03) Any advice on what to do next? OD
Most of the above tradelines belong to debt purchasers. Dispute the account type field insofar as they are probably reporting as "open" which is inaccurate in that by virtue of the fact that they are "collection" accounts, they can only be reported as "closed." Moreover, dispute the balance histories, if any, and corresponding dates of initial delinquency/date of last activity. As a stop-gap measure, send these furnishers communications directly noticing them of their violations of the FCRA and CC your state AG, BBB, and even a private attorney if you've spoken to one. Furthermore, attempt to locate an address for the CEO's/Presidents or even registered agents. You can usually do so on Secretary of State websites.
