Hi, I have learned a lot from this board and want to thank everyone. My crdit history begins in 1994. Here is my plan to remove my negatives tell me what you think and if you see any better choices. 1. Fleet car loan, opened 6/1995, paid off early in 9/1996 has 1 30 day late. I was thinking a goodwill letter would work best here since it is an old accout and it probably is best to leave it on my CR. 2. Chase CC, opened 10/1994 DOLA 5/1996, paid this account in settlement, it is listed as Chase in EQ and TU but under Allied Interstate on EXP. I am torn between Goodwill, Validation, and Nut Case, can I start with one and escalate? Will goodwill work with an account that was paid for less in a settlement, or just for late pays? 3. JC Penny / Monogram CC, opened 1/1995 DOLA 10/1996, balance due of $53. I disputed with a CRA and got a letter from JCP saying that things are accurate. I know that this was not validation so I am planning on sending a validation letter to them. 4. Purchased Paper (AT&T Universal CC), opened no record (strange...) DOLA 4/1996, paid in settlement, only appears on EQ. I was planning to use nutcase on this but wasn't sure if I should start more friendly. 5. Household Bank (Mitsubishi electronics CC), opened 10/1995 DOLA 2/1997, not paid. I am planning on validation but I haven't heard from them in a while (sleeping dog) and don't want them to come after me. They say I owe about $2900. Please give me any feedback especially if you have delt with any of these companies in my situation. Thanks so much, nhokt
have you tried disputing yet as 'not mine' my credit problems hit me in about 1995/1996 , and many of them simply disappeared with a 'not mine' dispute. this is because most of the places don't keep records that long. after that, validation will most likely do the trick. some say to do validation and dispute at the same time. But that is up to you. use search and research other folk's plan-of-attack, this might help you to decide. personally, I fear messing with the ones that fall off early late 2002 early 2003, the 'waking the sleeping giant' fear , you know? I've got some stuff from RMA, they are notorius anusheads, they'll re-age your account just for thinking about calling them (they are psychic) I won't dispute those currently for nothing because they are set to go away soon due to the 7 year thing. edit: goodwill letter on the first account (the auto loan) would be a good bet, because if you dispute it, it will most likely get deleted permanently.
