OK...I hired someone to take care of my credit for me...just because I was a complete newbie to this all. My FIL want's his credit to be rid of some things and I have learned enough by reading reading reading and learning from Grendel that I think I am redy to dive in and tackle his credit. He doesnt have a LOT of bad stuff on there...like a total of 12 derogs of which 5 are Student Loans that I dont wanna touch from the get go. So, here is what I have and what I am gonna do with it. PAID CHARGE OFF from 1996 - Nissan Motor Corp. It was 164.00 from a lease that they charged off. Go figure. Gonna make them validate first and dispute CRA. PAID CHARGE OFF - AMEX from 1998. They paid this thing off and he would like to see it gone from his credit. Validation letter and dispute CRA. CHARGE OFF - Assett Acceptance. This was an old MBNA charge off for 2577. Validation then dispute. PAID CHARGE OFF - Conseco Finance. Shows as paid 61-90 days. Validation and then dispute. PAID CHARGE OFF - Discover. Charge off paid in settlement. He wants it off. Gonna make them validate and dispute with CRA's. PAID CHARGE OFF - MBNA (two accounts) one for 54.00 and the other for 174.00. BOTH are paid. Not showing as such. Validation and dispute CRA. OK, what do you guys think? This will be the first round and I am hoping to get them all deleted at best...I am expecting about 3 deletes out of this first round. Any thoughts?
IMO I'd hold off on the validations for now. Wait till the CRA's verify first. You may not need to do the validation thing then. You don't want them to have already dug up the info the CRA needs to verify and have it on hand when the OC recieves the CRA disputes do you?
