Hi all...I'm back and I need help!

Hello Everyone!!!

Okay, I'll just be honest! I haven't been on CN for sooooooo long. There are few faces I remember, but for the most part, everyone here is new. I remember a couple of years ago during 2002 when I was cleaning up my credit, this board was a lifesaver. I did as much as I could and increased my scores by about 200 points from the low 400s to the high 500s and 600s. The scores just keep getting better and better. We bought a home last year and got a 6% interst rate with a VA loan. The leaps and bounds I made after my credit net venture were great. I pay EVERYTHING on time and usually early and I finally got a credit card. It's only a $500 limit, but at least I have the chance now.

This year is d-day! or is that d-year??? Anyhoo, the majority of my bad credit stemmed from college 7 years ago, so the stuff I couldn't get removed from my report are falling off this year. After this year I'll have one paid collection and an auto loan that will report as late..

I have one nasty one though that popped up my CR when I pulled it yesterday. The Bureaus are reproting an old Citibank charge off that they sent me the statements for last year when I tried to dispute them. Well, I have the old Credit reports that show the Citibank DOLA was 9/97 (citibank as the OC has since been removed for forever). The Bureaus has been a thorn in my side and they are reporting to Equifax and TU.

Here is what they are reprorting:

On TU:

Date opened 04/2002
Balance Date 11/2003
High/Limit $895
Account Status: Collection
Past Due Amount: $1,061

On Equifax:

Date opened 04/2002
Balance date 05/2004
Balance Amount $895
Date of status: 05/2004
Status Open

As you can see, there is quite a bit of discrepancy in their reporting. I have sent in online disputes with Exp and TU, but I am going to have to deal with these people at the source. Since the DOLA is Sept 1997, and that's only a month a way, should I send a DOLA letter and if so, which is a good one that I can send? I've never sent a DOLA letter, so a really good one could be useful. Should I mention that they are reporting incorrectly in the letter?

Please help!!!

Crystal aka rblues

 

Hey lbrown...long time no see..

Actually, I disputed it off TU. Just got the report in the mail today. All I have left is EQ and I disputed on there yesterday, so we'll see what happens. I just know they are going to be sticky. I've been fighting with The Bureaus for quite a while on this one.

Thanks for the assist.

But, I still do need a DOLA letter if anyone out there has one. )

 

Re: Re: Hi all...I'm back and I need help!

Wow, it has been a long time...Almost a year. I lurk still, but I don't know as much about the deletion game as I used to. )