If I post my credit report, the Equifax one do you think any of you guys or gals can tell me where to get started???
Credit Information Company Name Account Number DateLast Type of Account High Items as of Date ReportedDate and Whose Acount Opened Activity and Status Credit Terms Balance Past Due Reported 1st National Bank of Marin407193012904XXXX INDIVIDUAL ACCOUNT10/200003/2003Revolving PAYS AS AGREED$400 15 $327 03/2003 Prior Paying History 30 days past due 01 times; 60 days past due 00 times; 90 + days past due 00 times; CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LIMIT 1st National Bank of Marin407193012021XXXX INDIVIDUAL ACCOUNT10/200009/2001Revolving PAYS AS AGREED$400 15 09/2001 Prior Paying History CREDIT CARD AMOUNT IN H/C COLUMN IS CREDIT LImit Goodyear/Cbusa Na775301203127XXXX INDIVIDUAL ACCOUNT08/200103/2003Revolving PAYS AS AGREED$300 10 $87 03/2003 Prior Paying History 30 days past due 02 times; 60 days past due 00 times; 90 + days past due 00 times; AMOUNT IN H/C COLUMN IS CREDIT LIMIT M.B.N.A Amer480013720103XXXX INDIVIDUAL ACCOUNT09/199302/2002Revolving PAYS AS AGREED$2900 $0 04/2002 Prior Paying History ACCOUNT CLOSED BY CONSUMER CREDIT CARD Retailers National Bank92370612XXXX INDIVIDUAL ACCOUNT07/200103/2003Revolving PAYS AS AGREED$160 20 $98 03/2003 Prior Paying History 30 days past due 02 times; 60 days past due 00 times; 90 + days past due 00 times; CHARGE Wachovia Bank , Na/Ftu436106601002XXXX INDIVIDUAL ACCOUNT09/199307/1999Revolving PAYS AS AGREED$500 $0 08/2002 Prior Paying History 30 days past due 01 times; 60 days past due 01 times; 90 + days past due 01 times; ACCOUNT CLOSED AT CONSUMER'S REQUEST. PAID ACCOUNT/ZERO BALANCE Wells FARGO Financial Acceptnc912XXXX INDIVIDUAL ACCOUNT09/199609/1997Installment CHARGE-OFF$7324 375$0 11/2002 Prior Paying History PAID CHARGE OFF ACCOUNT TRANSFERRED OR SOLD Wells FARGO Financial1077-1704XXXX INDIVIDUAL ACCOUNT02/199711/1998Installment PAYS AS AGREED$1041 58$0 02/2002 Prior Paying History 30 days past due 02 times; 60 days past due 01 times; 90 + days past due 00 times; PAID ACCOUNT/ZERO BALANCE CHATTEL
You're not in too bad a shape! I think I would focus on goodwills on the open accounts with the 30 days. The WF Acceptance - if I'm reading it right, it looks pretty old, I would try a simple dispute first
