NEED HELP! Here is a partial plan!

I would greatly appreciate it if the experts could take a look a some of my credit reports. I posted my ideas on what to do for some of it. Any suggestion would be helpful! Thanks!

Code:

CAPITAL ONE
    	Experian  	TransUnion  	Equifax  
 Account No.: 	XXXXXX	XXXXX	XXXXX
 Type: 	Credit Card	Credit Card	Credit Card
 Condition: 	Derogatory	Derogatory	Derogatory
 Responsibility: 	Individual	Individual	Individual
 Pay Status: 	Collection/Chargeoff	Collection/Chargeoff	Collection/Chargeoff
 Date Opened: 	01/2000	01/29/2000	01/2000
 Date Reported: 	12/07/2003	11/02/2003	12/2003
 Balance/Limit: 	Balance of $1180 	Balance of $1150 	Balance of $1180 
 Payment/Terms: 	 	 	 
 High Balance: 	$1180	$140	$140
 Past Due: 	$1180	$1150	$1180
 
 MV
   	Experian  	TransUnion  	Equifax  
 Account No.: 	XXXXXXX	XXXXXX	XXXXXXX
 Type: 	Charge Account (Revolving)	Charge Account	Charge Account
 Condition: 	Derogatory	Derogatory	Derogatory
 Responsibility: 	Individual	Individual	Individual
 Pay Status: 	Collection/Chargeoff	Collection/Chargeoff	Collection/Chargeoff
 Date Opened: 	03/1998	03/12/1998	03/1998
 Date Reported: 	11/30/2003	12/08/2003	12/2003
 Balance/Limit: 	$77 out of $77	Balance of $77	Balance of $77
 Payment/Terms: 	 	 	Payment of $25
 High Balance: 		$77	$77
 Past Due: 	$71	$71	$71
 
 SA 
     	Experian  	TransUnion  	Equifax  
 Account No.: 			
 Type: 	Charge Account (Revolving)	Charge Account	Charge Account
 Condition: 	Derogatory	Derogatory	Derogatory
 Responsibility: 	Individual	Individual	Individual
 Pay Status: 	Collection/Chargeoff	Collection/Chargeoff	Collection/Chargeoff
 Date Opened: 	01/1998	01/23/1998	01/1998
 Date Reported: 	11/30/2003	11/11/2003	12/2003
 Balance/Limit: 	$45 out of $75	Balance of $45 	Balance of $45 
 Payment/Terms: 	 	 	Payment of $25
 High Balance: 		$75	$75
 Past Due: 	$40	$40	$40
 
 SWC 
    	Experian  	TransUnion  	Equifax  
 Account No.: 	 	*	
 Type: 	 	Charge Account	Charge Account
 Condition: 	 	Derogatory	Derogatory
 Responsibility: 	 	Individual	Individual
 Pay Status: 	 	Collection/Chargeoff	Collection/Chargeoff
 Date Opened: 	 	12/22/1996	12/1996
 Date Reported: 	 	11/11/2003	12/2003
 Balance/Limit: 	  	Balance of $390	Balance of $390
 Payment/Terms: 	 	 	Payment of $30
 High Balance: 	  	$382 	$390
 Past Due: 	  	$100 	$100 
  
PROVIDIAN 
  
   	Experian  	TransUnion  	Equifax  
 Account No.: 			
 Type: 	Credit Line Secured	Secured Credit Card	
 Condition: 	Derogatory	Derogatory	Derogatory
 Responsibility: 	Individual	Individual	Individual
 Pay Status: 	Collection/Chargeoff	Collection/Chargeoff	Collection/Chargeoff
 Date Opened: 	11/1996	11/01/1996	11/1996
 Date Reported: 	07/31/2002	07/01/2002	07/2002
 Balance/Limit: 	Balance of $375	Balance of $375	Balance of $375
 Payment/Terms: 	 	 	 
 High Balance: 	$380 	$380 	$380 
 Past Due: 	$375	$375	$375
 

 TCS 
     			Equifax  
 Account No.: 			PROVIDIAN
 Type: 			Collection
 Condition: 			Derogatory
 Responsibility: 			Individual
 Pay Status: 			Late 120 Days
 Date Opened: 			
 Date Reported: 			10/2002
 Balance/Limit: 			Balance of $434 
 Payment/Terms: 			 
 High Balance: 			$380
 Past Due: 			$435
 Remarks: 			Collection account   
 

Here is where Providian sold to someone else
and it has been 7 years Is also listed on EQ.

TransUnion
PROVIDIAN
Individual
Derogatory
$380
$435
04/01/2002
09/01/2002
Placed for collection

Defaulted student loan showing up on TU and
EQ but not EX for $43,000. Original amount
of student loan was $21,000. All the rest is
interest and collection fees I suppose.

MUSIC
Experian
Account No.:
Type: Rental Agreement
Condition: Open
Responsibility: Individual
Pay Status:
Date Opened: 09/1996
Date Reported: 04/22/1998
Balance/Limit:
Payment/Terms:
High Balance: $600
Past Due:
Remarks: Credit grantor cannot locate consumer.

I think this may have been included in the
BK7 but I will have to check.


I have some good trades but am not putting them here.


The below is for cable tv and I was flat out lied
to on this. This guy called wanting to
come collect my equipment and told me that
I wouldnâ??t owe anything if I let him come collect
the equipment. He came and gave me a receipt
for the equipment. I donâ??t think it said anything about not paying. I will have to look.

Code:

 CA 
    	Experian  	TransUnion  	Equifax  
 Creditor Name: 			
 Account No.: 			
 Original Creditor: 			
 Responsibility: 	Individual	Individual	Individual
 Condition: 	Derogatory	Derogatory	Derogatory
 Original Balance: 	$250	$250	$250
 Balance: 	$250	$250	$250
 Date Opened: 	11/2002	11/08/2002	11/2002
 Date Reported: 	11/19/2003	11/19/2003	02/2003
 Remarks: 		Placed for collection   	

Below is lost books from a library

CA
    	Experian  	TransUnion  	Equifax  
 Creditor Name: 			
 Account No.: 			
 Original Creditor: 			
 Responsibility: 	Individual	Individual	Individual
 Condition: 	Derogatory	Derogatory	Derogatory
 Original Balance: 	$225	$225	$225
 Balance: 	$225	$225	$255
 Date Opened: 	11/2001	11/01/2001	11/2001
 Date Reported: 	04/10/2002	04/01/2002	04/2002
 Remarks: 		Placed for collection   	

There are 14 like this one from the same CA 
for medical bills. Iâ??ll just put one because they 
are all about the same.

CA
     	Experian  	TransUnion  	Equifax  
 Creditor Name: 			
 Account No.: 			
 Original Creditor: 	M	M	M
 Responsibility: 	Individual	Individual	Individual
 Condition: 	Derogatory	Derogatory	Derogatory
 Original Balance: 	$50	$50	$50
 Balance: 	$50	$50	$50
 Date Opened: 	09/2001	09/01/2001	09/2001
 Date Reported: 	10/31/2001	10/01/2001	10/2001
 Remarks: 		Placed for collection   	

One tax lien that was paid and it is still on
there after 10 years! Doesnâ??t show as paid either.

TransUnion
State Tax Lien
Filed
09/01/1992
Individual


Circuit Court
$200



Ok that is enough.

Here are my ideas so far. Experts please feel free to jump in with any suggestions.

1. For the student loans, I plan to call the DOE in February and rehab them and also ask the Ombudsmen if they will reduce some of the interest and collection fees.

2. There are a bunch of variations of my name on the reports so I plan to ask them to be removed and same with old addresses and also my birth date and employers are wrong on one of them.

3. I am going to find or request from the court house where I paid the tax lien and send to TU asking it to be removed because it has been paid and because it has been 10 years.

4, Providian shouldn't even been on there as SOL is 6 years here and it has been 7 and they canâ??t just sell it to someone else and start all over again.

5. Find my BK1 papers and see if music store was included and if so send them evidence and tell them to remove from my credit reports.

What do you think about my plans so far? Suggestions? Comments?

Thank you!

Wilma

 

Re: NEED HELP! Here is a partial pl

Thanks for your reply.
1. RE the student loans- are you saying that even though they are defaulted they still are supposed to fall off after 7 years?
2. RE tax lien-OMG that is just terrible if that is the case. It is not on my stbx's reports at all. I will call the courthouse and find out.
4. RE reaged violation - So who do I send the letter to? The new CA or the OC?
5. RE Do you mean getting the BK7 removed before the 10 years are up?

If I recall about 5 years ago my stbx's cr's were showing the same BK7 listed twice. Exact duplicate. I wrote the CRA a letter and instead of removing just one, they removed both!

I guess I am still not sure what to do on some of these things. I am still gathering info and asking for advice. I really don't want to do anything that would make it worse.

On the medical bills I have that have not gone to collection, I called them today and left messages saying I wanted to set up a payment plan. So I took action to not have more stuff on my credit reports.

I am not sure what to do about all the old medical bills that are on the credit reports? Should I try to validate them with the CA?

Thanks for you help!

 

Re: NEED HELP! Here is a partial pl

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Re: NEED HELP! Here is a partial pl

bump