I recently have received my credit reports from EXP, TU and EQ...Experia is by far the one with the most info on me. In have close to 20 previous residence addresses, some basically duplicates with slight number variations. Summary: 6 accounts affecting my credit worthiness 34 accounts in good standing These are my negatives: Big Bad Bank 1 CC Status: Closed/Past Due 30 days $### past due as of 3/2003 Account History 60 days as of 11-2002, 12-2002, 1-2003, 2-2003, 30 days as of 10-2002, 3-2003 Creditor's Statement ?Account closed at credit grantor's request." GMAC Status: Account charged off/Current was past due 30 days. $#### written off Account history: charge off as of 12-2002 30 days late as of 6-2002 to 9-2002 Big Bad Bank 2 CC Status: Closed/Past Due 30 days $### past due as of 2/2003 Account history: 30 days as of 2-2003 Creditor's Statement "Account closed at credit granto'r request." Big Bad Bank 3 CC Status: Open/Current, was Past Due 120 days Account history: 120 days as of #-2003 90 days as of #-2003 60 days as of #-2003 30 days as of #-2003 (#=month of year) As of a 2009 this account is scheduled to go to a positive status. Creditor's Statement "Account payment managed by a credit counseling program." Big Bad Bank 4 CC Status: Open/Current, was Past Due 60 days Account history: 60 days as of #-2003 30 days as of #-2002 to 1-2003 (#=month of year) As of a 2009 this account is scheduled to go to a positive status. Creditor's Statement "Account payment managed by a credit counseling program." Installment Account (Car Loan) Status: Open/Current, was Past Due 30 days Account history: 30 days as of #-2002 to 1-2003 I also have 34 accounts in good standing. A large majority of these accounts are basically paid and closed. What do you suggest I do with these (the ones that are paid and closed at my request?) I am relying on you experts out there for feedback on treading my repair process. I will first go for deleting my old addresses which there are many. For step one, Do I need to include a copy of my driver's license and a utility bill? please advice.
