From Erxperian's negative items list AMEX Account Number: Date Opened: 08/1999 Status: Closed/Account charged off. CBUSASEARS Account Number: Date Opened: 12/1992 Status: Open/Current, was past due 120 days. HSBC/RS Account Number: Date Opened: 04/1997 Status: Paid/Collection account. MBNA AMERICA BANK NA Account Number: Date Opened: 09/1996 Status: Paid in settlement/Current, was past due 30 days. What is the best way to get these to go away. I had previously tried a few months ago disputing just as not mine but they came back verified American Exprees I owe $311.00 and have a letter from that that they will not try to collect it. I got this letter in response to an offer to delete for payment after doing a not mine. When Experian tried to verify it they changed the Date of Status to 9/2004. Account history shows Charge Off as of 9-2004, 9-2003, 7-2000. So this will fall off on its own in three years. Sears was 120 days late a long long time ago. I have been current since then. Shows 30 Days as of 10-1999 and 7-1999, 60 days as of 11-1999, 90 days as of 12-1999 and 120 days as of 1-2000. I don't know how badly this is hurtine me since it is over 4 yeas HSBC/RS must be The Wiz or Radio Shack and as far as I know it never went into collections. There was no lates listed unlike toe other two entries. It shows Paid Collection as of 10/2001 MBNA has been paid off for over a year now. Shows 30 days as of 4-2001 closed at my request paid for less than full balance again does not show when went late. Under accounts in Good Standing I have a few that say Paid in Settlement. One is from AFI for a Cingular account that I paid but never admitted was my debt. I may have them here because it reports a Installment type, not collections and shows Date Opened 5/2003 and reported since 7/2001. How can it be reported prior to date opened? I tried to dispute this as well and it came back verified
