I am new to this board and have recently begun learning the steps necessary to clean up my credit. I have 3 questions: 1. I have an unpaid charge-off for $400 listed on TU and EQ that has not been paid on since 1998 - What suggestions do you have for removing this? 2. I have several accounts that are paid off/closed but still list late 30/60/90 days late, should I try disputing these or what? 3. I read on some website that you should *never* disupte anything online, what is your opinion on this? Thanks for any help you can provide, currently my head is spinning from all the info I have absorbed in the last few days.
I would like to know this info also. I just disputed a TON of accounts on my and DH's CR. So who knows WHAT I did 'wrong' lol I am also going to try the 'goodwill' letters if the disputes don't work for some of the accounts(charge-offs) Thank you in advance to anyone who would like to help us L.
Well I did get a lot of useful info by reading this board's FAQ (big duh on my part for not doing that first... lol) But I still am confused on what and IF I should try disputing in regards to the Paid/Lates...for example accounts that have been paid off in the last year, but still list 30/60 days late is it worth it to try to get those taken off? The big question for me though is the unpaid charge off, all the things I have been reading on the board are related to charge-offs that have gone to CAs but mine hasn't it's an OC charge off and on TU they have listed the closed status as 2002 when the last activity was actually in 1998...so I'm just not sure what my next move should be... Anyhow, any advice would be helpful...this is all just a big mess and quite intimidating for me as I had perfect credit until I just before I got divorced 4 years ago. Thanks again!! rmayfaire
