Okay, today I received my Experian Report. The breakdown is as follows: 4 positive accounts 1 C7 BK discharged 10/17/2000 A number of (-) tl's CAPITAL ONE BANK Status: Account charged off/Past due 180 days. $536 written off. $926 past due as of 7-2004. Date Opened: 08/2000 Type: Revolving Reported Since: 08/2000 Terms: NA Date of Status: 06/2001 Monthly Payment: $0 Last Reported: 07/2004 Responsibility: Individual CAPITAL ONE BANK (different account) Status: Account charged off/Past due 180 days. $565 written off. $997 past due as of 7-2004. Date Opened: 09/2000 Type: Revolving Reported Since: 09/2000 Terms: NA Date of Status: 07/2001 Monthly Payment: $0 Last Reported: 07/2004 Responsibility: Individual CREDIT BUREAU ASSOCIATES Status: Discharged through Bankruptcy Chapter 7/Collection account. Date Opened: 08/1999 Type: Installment Reported Since: 08/1999 Terms: 12 Months Date of Status: 10/2000 Monthly Payment: $0 Last Reported: 07/2003 Responsibility: Individual Your statement : Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act) Account History: Debt included in Chapter 7 Bankruptcy 10/17/2000 FARWEST COLLECTION Status: Discharged through Bankruptcy Chapter 7/Collection account. Date Opened: 06/1998 Type: Installment Reported Since: 09/1998 Terms: NA Date of Status: 10/2000 Monthly Payment: $0 Last Reported: 09/1998 Responsibility: Individual Account History: Collection as of 9-1998 Debt included in Chapter 7 Bankruptcy 10/17/2000 OC: Kaiser J J MAC INTYRE CO INC Status: Collection account. Date Opened:07/2002 Type: Installment Reported Since: 03/2002 Terms:NA Date of Status: 03/2002 Monthly Payment: $0 Last Reported: 04/2004 Responsibility: Individual Your statement : FCBA dispute resolved - consumer disagrees Account History: Collection as of 8-2003 to 4-2004, 5-2003 to 8-2003, 3-2003, 2-2003, 11-2002 to 1-2003, 3-2002 OC: Contra Costa County J J MAC INTYRE CO INC Status: Discharged through Bankruptcy Chapter 7/Collection account. Date Opened:09/1999 Type: Installment Reported Since: 11/1998 Terms: NA Date of Status: 07/2000 Monthly Payment:$0 Last Reported: 01/2000 Responsibility:Individual Your statement : FCBA dispute resolved - consumer disagrees Account History: Collection as of 1-2000, 11-1998 Debt included in Chapter 7 Bankruptcy 07/11/2000 OC: Contra Costa County NCO FINC/MAIN Status: Collection account. $530 past due as of 5-2004. Date Opened:05/2003 Type: Installment Reported Since: 07/2003 Terms: NA Date of Status: 06/2003 Monthly Payment: $0 Last Reported: 05/2004 Responsibility: Individual Account History: Collection as of 5-2004, 4-2004, 11-2003 to 3-2004, 7-2003 to 9-2003 OC: Sprint PCS TRIAD FINANCIAL CORP Status: Account charged off/Repossession. $9,799 written off. Date Opened:05/2002 Type: Installment Reported Since: 06/2002 Terms: 60 Months Date of Status: 02/2003 Monthly Payment: $0 Last Reported: 02/2003 Responsibility: Individual Account History: Charge Off as of 2-2003 Repossession as of 1-2003 90 days as of 12-2002 60 days as of 11-2002 30 days as of 10-2002 Credit Limit/Original Amount: $16,999 High Balance: NA Recent Balance: $0 as of 02/2003 Recent Payment: $0 WESTERN HOSPITAL FEDERAL Status: Paid/Current, was past due 30 days. Date Opened:04/1997 Type: Installment Reported Since: 11/1997 Terms: 12 Months Date of Status: 08/1998 Monthly Payment: $0 Last Reported: 08/1998 Responsibility: Individual Credit Limit/Original Amount: $483 High Balance: NA Recent Balance: NA Recent Payment: NA WESTERN HOSPITAL FEDERAL Status: Paid/Current, was past due 90 days. Date Opened:01/1997 Type: Installment Reported Since: 03/1997 Terms: 25 Months Date of Status: 03/1999 Monthly Payment: $0 Last Reported: 03/1999 Responsibility: Individual Credit Limit/Original Amount: $4,589 High Balance: NA Recent Balance: NA Recent Payment: NA Account History: 90 days as of 7-1998 30 days as of 5-1998 WESTERN HOSPITOL FEDERAL Status: Inactive/Current, was past due 30 days. Date Opened:08/1997 Type: Revolving Reported Since: 06/1997 Terms: NA Date of Status: 08/1998 Monthly Payment: $0 Last Reported: 09/2000 Responsibility: Individual Credit Limit/Original Amount: $250 High Balance: $302 Recent Balance: $0 as of 09/2000 Recent Payment: $0 Account History: 30 days as of 7-1998, 12-1997 With that all aside, I have prepared a letter to request the 24 some odd addresses listed for me be deleted. I plan to send DV's to Capital One (both) with CRRR. Also to the Collection agencies with CRRR, then after I get the green cards, I file a dispute with the Credit Bureau right??? I'm thinking about leaving the Western Hospital entry's alone, since they fall off next year, or should I sent DV's and try to dispute also??? Please send me your input, I'm ready to start the long process. Thanks in advance. CRDTNogood
