I am posting my EXP report and asking for advice. I disputed 3 things online, the 2 from Financial Credit Services and the one from Swiss Colony. I thought this was the right thing to do at the time, but now I realize I should have gone for validation first, then disputed with the CRA. Did I jump the gun by doing the dispute online before the validation?? Also, I am also not really sure what to do about the judgement. I have 3 years left before it comes off. Would it help me any at all to pay it? I know paid collections are just as bad as unpaid, but what about paid judgements, same thing? I know I need to get the *15* old addresses off, but i have had a hard time reaching EXP. I will have to send a letter, but I have seen a lot of posts that people have had good luck with addresses just by calling them. Is there anything else I am missing? I know I need to get my credit cards paid off so my utilization is below 30%, I will be doing that next month. I feel like something is staring me in the face and I am missing it. Potentially Negative Items Public Records GREENE CNTY ASSOC CT Address: 940 N BOONVILLE AVE SPRINGFIELD, MO 65802 Identification Number: *********** Plaintiff: GAIL *******. Status: Civil claim judgment. Status Details: This item is scheduled to continue on record until 8-2006. Date Filed: 08/03/1999 Claim Amount: $769 Individual Credit Items ACCOUNT SERVICES COLLECT Address: 1802 NE LOOP 410 STE 800 SAN ANTONIO, TX 78217 Account Number:************ Original Creditor: SW BELL TELEPHONE-MO Status: Collection account. $311 past due as of 4-2000. Date Opened: 01/2000 Type: Installment Reported Since: 04/2000 Terms: NA Date of Status: 04/2000 Monthly Payment: $0 Last Reported: 04/2000 Responsibility: Individual Credit Limit/Original Amount: $311 High Balance: NA Recent Balance: $311 as of 04/2000 Recent Payment: $0 Account History: Collection as of 4-2000 FINANCIAL CREDIT SVCS Address: PO BOX 90 CLEARWATER, FL 33757 Account Number: ******* Original Creditor: MARTIN MEMORIAL HEALTH SYSTEMS Status: Collection account. Date Opened: 10/2000 Type: Installment Reported Since: 09/1999 Terms: NA Date of Status: 09/1999 Monthly Payment: $0 Last Reported: 09/1999 Responsibility: Individual Credit Limit/Original Amount: $1,398 High Balance: NA Recent Balance: $1,398 as of 09/1999 Recent Payment: $0 Account History: Collection as of 9-1999 FINANCIAL CREDIT SVCS Address: PO BOX 90 CLEARWATER, FL 33757 Account Number: ******** Original Creditor: MARTIN MEMORIAL HEALTH SYSTEMS Status: Collection account. Date Opened: 10/2000 Type: Installment Reported Since: 08/1999 Terms: NA Date of Status: 08/1999 Monthly Payment: $0 Last Reported: 08/1999 Responsibility: Individual Credit Limit/Original Amount: $581 High Balance: NA Recent Balance: $581 as of 08/1999 Recent Payment: $0 Account History: Collection as of 8-1999 JBC & ASSOCIATES/NJ Address: 2 BROAD ST FL 6 BLOOMFIELD, NJ 07003 Account Number: ******* Original Creditor: TOYS R US Status: Collection account. $87 past due as of 7-2003. Date Opened: 08/2001 Type: Installment Reported Since: 07/2003 Terms: 1 Months Date of Status: 07/2003 Monthly Payment: $0 Last Reported: 07/2003 Responsibility: Individual Credit Limit/Original Amount: $62 High Balance: NA Recent Balance: $87 as of 07/2003 Recent Payment: $0 Account History: Collection as of 7-2003 MCB COLLECTION SERVICE Address: 2066 14 AVE SUITE 200 VERO BEACH, FL 32961 Account Number: ******** Original Creditor: DOMINOS PIZZA Status: Collection account. $61 past due as of 7-2002. Date Opened: 05/2002 Type: Installment Reported Since: 07/2002 Terms: NA Date of Status: 07/2002 Monthly Payment: $0 Last Reported: 07/2002 Responsibility: Individual Credit Limit/Original Amount: $61 High Balance: NA Recent Balance: $61 as of 07/2002 Recent Payment: $0 Account History: Collection as of 7-2002 PALISADE COLLECTIONS INC Address: 2425 COMMERCE AVE STE 10 DULUTH, GA 30096 Account Number: *********** Original Creditor: AT T Status: Collection account. $165 past due as of 9-2003. Date Opened: 01/2002 Type: Installment Reported Since: 05/2002 Terms: 1 Months Date of Status: 05/2002 Monthly Payment: $0 Last Reported: 09/2003 Responsibility: Individual Credit Limit/Original Amount: $165 High Balance: NA Recent Balance: $165 as of 09/2003 Recent Payment: $0 Account History: Collection as of 6-2003 to 9-2003, 4-2003, 1-2003, 12-2002, 9-2002, 7-2002, 6-2002, 5-2002 SWISS COLONY INC Address: 1112 7TH AVE MONROE, WI 53566 Account Number: ********** Status: Account charged off. $213 written off. $60 past due as of 8-2003. Date Opened: 12/1997 Type: Revolving Reported Since: 06/1998 Terms: NA Date of Status: 06/1998 Monthly Payment: $0 Last Reported: 08/2003 Responsibility: Individual Credit Limit/Original Amount: $213 High Balance: $213 Recent Balance: $213 as of 08/2003 Recent Payment: $0 Account History: Charge Off as of 4-2003 to 8-2003, 10-2002 to 2-2003, 5-2002 to 8-2002, 9-2001, 8-2001, 5-2001, 6-2000 to 4-2001, 10-1999 to 4-2000, 9-1998 to 8-1999, 7-1998, 6-1998 Balance History: $213 07/2003 $213 06/2003 $213 05/2003 $213 04/2003 $213 02/2003 $213 01/2003 $213 12/2002 $213 11/2002 $213 10/2002 $213 08/2002 $213 07/2002 $213 06/2002 $213 05/2002 Between 5-2002 and 7-2003, your credit limit/high balance was $213 Accounts in Good Standing FIRST NATL BK MARIN Address: PO BOX 98873 LAS VEGAS, NV 89193 Account Number: **************** Status: Open/Never late. Date Opened: 03/2003 Type: Revolving Reported Since: 03/2003 Terms: NA Date of Status: 09/2003 Monthly Payment: $15 Last Reported: 09/2003 Responsibility: Individual Credit Limit/Original Amount: $260 High Balance: $345 Recent Balance: $345 as of 09/2003 Recent Payment: $30 FIRST PREMIER BANK Address: 601 S MINNESOTA AVE SIOUX FALLS, SD 57104 Account Number: **************** Status: Open/Never late. Date Opened: 03/2003 Type: Revolving Reported Since: 03/2003 Terms: NA Date of Status: 09/2003 Monthly Payment: $20 Last Reported: 09/2003 Responsibility: Individual Credit Limit/Original Amount: $300 High Balance: $329 Recent Balance: $262 as of 09/2003 Recent Payment: $105 NICHOLAS FINANCIAL INC Address: 2454 MCMULLEN BOOTH BLDG CLEARWATER, FL 33759 Account Number: ********** Status: Open/Never late. Date Opened: 06/2003 Type: Installment Reported Since: 06/2003 Terms: 42 Months Date of Status: 08/2003 Monthly Payment: $190 Last Reported: 08/2003 Responsibility: Individual Credit Limit/Original Amount: $7,959 High Balance: NA Recent Balance: $7,515 as of 08/2003 Recent Payment: $0 Requests for Your Credit History CIT ONLINE BANK/DFS Comments: Permissible purpose. This inquiry is scheduled to continue on record until 10-2005. WFNNB/LIMITED TOO Comments: Permissible purpose. This inquiry is scheduled to continue on record until 10-2005. WFNNB/ROAMANS Comments: Permissible purpose. This inquiry is scheduled to continue on record until 9-2005. SPRINT PCS Comments: Utility company. This inquiry is scheduled to continue on record until 4-2005. SPRINT PCS Comments: Utility company. This inquiry is scheduled to continue on record until 10-2004. PROVIDIAN FINANCIAL Comments: Permissible purpose. This inquiry is scheduled to continue on record until 9-2004. STATE OF FLORIDA Comments: Permissible purpose. This inquiry is scheduled to continue on record until 10-2003. Names: They have 6 listed, one of which is right. Driver's License Number: ********* Social Security number variations: they have one SSN this is wrong Date of birth: ****** Employers: 2 listed, neither current Telephone numbers: 4 listed, none current Address: **** ** ******* ** *****, FL *****-**** 14 OTHER ADDRESSES LISTED, NONE CURRENT, SOME WERE NEVER MINE
I have the same issue with regard to the addresses. Evil EXP is the worst of the 3. They will not investigate and when they do they will not send you a revised CR as per the FCRA. Maybe someone with more experience with EXP can help.
I got Experian to remove all my old addresses and screwed up names. I just sent them a letter letting them know that "CRAs are required to report only 100% accurate information under law. The following items are not correct: Name 1 address 1 address 2 address 3" There were 8 wrong addresses, they went away.
from what i understand....(newb myself) you should delete all old addresses, prior to challenging a judgement ... here's the letter i used and it worked for all 3 Name Address City, State Zip SS# DOB Date CRA's 1 misinformation lane fantasy, YU 000000 Dear honest fair credit reporting agency(sarcasm intended): I am writing because there is personal information on my credit report that is inaccurate, and I am requesting that it be removed from my credit report entirely. 1) I respectfully request that all previous addresses be removed as they are obsolete, incorrect, and/or inaccurate: Incorrect Address #1 Incorrect Address #2 Incorrect Address #3, etc The ONLY address that is correct and should be listed is my current address of: (LIST CURRENT ADDRESS). 2) Please remove (XXX COMPANY) from the EMPLOYERS section. I have never worked for this company. 3) Please remove (INCORRECT PHONE NUMBER#1) and (INCORRECT PHONE NUMBER #2) from the TELEPHONE NUMBERS section, as these phone numbers are incorrect, disconnected, and no longer current. Thank you for your prompt attention to this matter. If you have any questions, please don't hesitate to contact me by phone at XXX-XXX-XXXX or by fax at XXX-XXX-XXXX. Very Truly Yours, YOUR NAME Should be no problemo! If you search CNET you will find this letter. Not to beat a dead horse but searching is necessary here! fweem!
Yes, I am quite aware of how to search, all I was saying is I have heard (read) a lot of people say it was really easy to do the address thing by phone. When I tried I could not et thru the maze to get to a real person. I do not have a problem sending the letter.
avoid the INTENTIONAL maze.......... It sounds like your torn between a phone call or a letter? Honestly, i sent this letter when i first started. I'm offering you a clear avenue that i know has worked for me. The letter was sent within the last 4 months and it worked!. I also posted it less than 2 weeks ago after someone asked a similar question. Don't be hostile to those who are willing to help you!
Sorry, not trying to be hostile, just wanted to point out that I know the letter exists and was not looking for a handout to avoid looking for it myself. I was just wondering how some got the addresses off so easy by phone. No hostility intended, any help someone offers will be appreciated.
Holy Cow! Just starting out 9/18/03 TU 579 EQ 580 EXP 520 I certainly empathize with you and your pending struggle to clear all this up, but my astonishment comes from you scores still being as high as they are, with all that derog info on your reports. Your scores are as high or higher than mine, and you have 10 or so Collections plus other stuff, and I have only 2 Paid Collections ... Now I know that FICO must be a farce. Obviously an Unpaid Collection is not as bad as a Paid Collection, so first off, DON'T Pay Anything OFF! Search and read all about Validation letters. You can send these to the CA's, via Certified Return Receipt Request mail. Once you receive the "green cards" back, dispute these as as "not mine" with the CRA's. With this many, you should get a few to delete right away. The others you will have to keep working at. Also find the threads that talk about sending letters to the CA's requesting a reduced payoff amount, in return for them DELETING the entire Tradeline from your reports. MAKE SURE you get a letter in writing. Good Luck.
FedUp, do you have any positive TLs? I have 3 on TU and EXP, 2 of them secured credit cards, near limit, opened March of this year. The other is my car loan, only reporting for 1 month, just bought the car. EQ only has the 2 credit cards, car loan not reported there. My problem is not so much the negs, it's that I have a very limited credit history overall. I also just noticed that I have a judgement reporting only on EXP, which is 60 points lower than my other 2 scores.
On addresses, the best route is to write and write repeatedly. Took me four tries w/EXP to get all removed. Do not be suprised if bad personal info reappears. Often the data is reported by one of your tradelines and will simply post again when they report. I have no middle name, but my credit reports say my middle initial is 'A' - for "aarrgggh", I guess.
