Greetings all. Your posts and information is just so helpful. I am trying so hard to connect the dots and to avoid doing myself further damage. I have been reading this board for more than 3 weeks attempting to understand everything that I need to know to clean up my credit reports. At times, I feel more confused than ever but it is time for me to begin. Please give me your expert thoughts about this strategy: 1. Call each CRA and attempt to get insignificant personal information deleted. For instance, all my homes are listed in one report as commerical. I rented a garage years ago and it is listed as an address. I see a name which is the phonetic spelling of my initials. There is a problem with bad data entry as a result of my hyphenated name. On one report I am listed as MY employer which was never true. (?) If I attempt to call and get this done, am I creating another problem for myself ? 2. I have 2 hard inquiries from CA which are listed as PP, which I intend to dispute with both CA and CRA in writing. 3. I have one credit card which is paid and is closed and then opened which is showing as a negative as a 1x 90 day late. I am writing a goodwill delete request to them because I have 3 other TLs with them which are perfect. 4. I am sending a HIPPA paid medical to the OC and a validation to the CA. 5. I am sending a pay for delete letter rfor $68 with a proper agreement form. Give me your thoughts about what you think of these to begin. I am thinking that I should be sending DV to all collections listed just to get the ball rolling. For those that I question SOL, I need to really think about it. I have no records, but the TL in the a few reports do not have close and payment history or information to determine what the heck happened. I have a lien which if it is mine, I have no knowledge and certainly have no notices of, I believe it just isn't mine and it is from 1992 and nothing has been attached and I have not changed employment. Thanks for any assistance that you can provide. It would be much appreciated. I will also post 2 letters that I would ask to be assessed by those of you who feel that you can offer competent feedback and advise. Thanks
