After reading all of the wonderful posts in starting out on this journey I believe i am ready however I want to make sure I am doing it correctly. Lets start with the issues: Equifax 610 FICO 2 collections both from Bellsouth COLLECTION 1 LAST REPORTED 03/07 Collection agency [?] XXXX Original balance [?] $921 Current balance (as of Mar 01,2007) [?] $921 Status (as of Mar 01, 2007) [?] Unpaid Date assigned [?] Jan 01, 2007 Date reported [?] Mar 01, 2007 Date last active [?] Dec 01, 2005 Original lender [?] XXXX Account number [?] XXXX Account holder [?] Individual COLLECTION 2 LAST REPORTED 05/07 Collection agency [?] XXXX Original balance [?] $153 Current balance (as of May 01,2007) [?] $153 Status (as of May 01, 2007) [?] Unpaid Date assigned [?] Mar 01, 2007 Date reported [?] May 01, 2007 Date last active [?] Nov 01, 2005 Original lender [?] Bellsouth Account number [?] XXXX Account holder [?] Individual COLLECTION 3 & 4 LAST REPORTED 05/05 TWICE THROUGH DIFFERENT COLLECTORS SAME ACCOUNT Date opened [?] Mar, 1999 Date of last payment [?] Dec, 2002 Account number [?] XXXXX Largest past balance [?] $788 Credit Type [?] Revolving Account holder [?] Individual Scheduled payment amount [?] $0 COLLECTION 5 LAST REPORTED 03/07 Date of last payment [?] Oct, 2002 Account number [?] XXXXX Largest past balance [?] $1,019 Credit Type [?] Open Account Account holder [?] Individual Scheduled payment amount [?] $0 COLLECTION 6 LAST REPORTED 03/07 Date of last payment [?] Oct, 2001 Account number [?] XXXXX Largest past balance [?] $528 Credit Type [?] Open Account Account holder [?] Individual Scheduled payment amount [?] $0 COLLECTON 7 LAST REPORTED 05/07 CAPITAL ONE.... Date opened [?] Nov, 2000 Date of last payment [?] Dec, 2002 Account number [?] XXXXX Largest past balance [?] $1,096 Credit Type [?] Revolving Account holder [?] Individual Scheduled payment amount [?] $0 My question is how do I go about getting these items removed from my CR. I guess I am a little confused about what to tackle first... My first thought is to go for the ones that are CURRENTLY REPORTING DEROG INFORMATION... then going after the other ones. If that is the case, how should I attack the CA's first. Just a little confused with all the different schools of thought....
Is the information they are reporting accurate, i.e., balances, last payment dates, etc.? If they are try for a PFD letter. If they are not reporting correct balances or dates, then dispute that specific information.
