My credit history- what to dispute?

I thought this would be better than starting a few new topics, I need to know what would be the best way to handle each item on my credit history. I tried to make it simple to read and put many ???s on my questions. I know, I'm new, but I appreciate anyone's help!!!!

Credit score: EQ 590/EX 608/TU 600

1. Loan
date open: August 2000
EQ: OPEN(!) Bad Debt/sent to CA
EX & TU : closed/charge off
----Dispute or try to get IIBK discharged 6/02?

2.XXXX (collections for AT&T, sold to COMCAST locally in 2003)
date open: Aug 2001
payment status: $360; unpaid
----Dispute because AT&T sold to Comcast?

3. HFC
date open: September 1998
EQ/EX/TU: 120 days/sent to CA
----Dispute or change to IIBK IIBK discharged 6/02?

4. NISSAN (This car was a repo in 5/01)
date open: June 1997
EQ & EX: OPEN(!); sent to CA/charge off
TU: closed, charge off
----Dispute or change to CLOSED & IIBK IIBK discharged 6/02?

5. NISSAN MOTOR (yes, it's a dupe)
TU: OPEN, zero balance, 30 days past due, last reported as OK 6/01
----How do I handle this dupe?

6. PROVIDIAN
date open: March 2001
EQ: OPEN(!) & IIBK
EX: correct (closed/IIBK)
TU: OPEN(!) & 120 days past due
----Dispute OPEN on EQ & OPEN, 120 days on TU, right?

7. xxxx COLLECTIONS
date open: Nov 2001
EQ: OPEN(!); $1k unpaid, but NO two year marks good or bad(?)
----Dispute or change to IIBK IIBK discharged 6/02?
----Leave it alone?

8. FUTURE SHOP
date open: June 1996
TU: $350 balance
This account was paid & closed in good standing.
---Leave alone or dispute balance report only?

9. MACYâ??S
date open: December 1995
TU: OPEN(!); paying as agreed
This was closed by Macy's in '01 or '02, but is showing on TU as OK with zero balance, current through 2005! (?)
---Leave alone or dispute as closed?

There are a few more, but they're about the same. I just want to get advice on how to handle each one since I'm new to this. Thanks again, I'm glad I found this site!!

kate

 

Re: Re: My credit history- what to dispute?

Thanks! In regards to the Nissan dupe only on TU, should I go after that first and then dispute the original on all three?

Also, I highly doubt I could get the BK deleted, even though I LOVE that idea. Why? I have more TLs than I listed here, I simply left them out because they're correct (zero balance, IIB). Should I dispute those as well, since they're still "bad"?

HOW did you get your BK deleted!?

Thanks again!

 

Re: Re: Re: Re: My credit history- what to dispute?

Ahhhh, nice. I know for a fact one is wrong, it lists the discharge date wrong. Actually, the two that have the same discharge date could be wrong, leaving me with one. That'd be nice! Is an incorrect discharge date enough!?

Thanks again, you're my hero for today!

 

Re: Re: Re: Re: My credit history- what to dispute?

I just noticed another error. My Sears account was IIBK, and EXP & TU show the correct info. EQ also shows it as closed & IIBK, but they're reporting it OK every month. Do I dispute this anyway, or is it helping my score?



EDIT! Ok, stupid question.. Since these are all years old, I don't have to send anything to the creditors, just dispute it to the CRAs, right?