ok here is the situation I am trying to repair my credit and repair my wifes as well. First my wife EquiScum 687 1 judgement that we didnt even know about because they let my brohte rsign for the summons whom I havent spoek to in ten years. We paid it and wrote numerous letters to the aprartments who got the jusgements requesting they remove or at least show the judgement as paid. They never have. I disputede this as paid. anything else I cna do to this one? 2. We got a late notice form ym wifes school about a book payment being late we paid it and 2 weeks later they sen it to collections. We had the school send a letter to the collections agency that says it was sent in error please delete. the agency ssays they have recieved and sen tit to Equiscum but eqiscum has never deleted it or even show it as paid. I disputed this as accoutn paid in full before it went to colections and I am awaiting an answer from equiscum. TU 732 Exp 730 Both have nothing negitive ever on them ok mme now (I am the fun one) I was reallt dumb when I was younger. Eqiscum 535 ish TU Exp both about the same 1. Chase repo car they sold the car and are callign the balance owed as a charge off to boot. 2. Charge off amex 2. charge off MBNA visa 3. Charge off Target how in the world do I begin to fix this mess? I am on as a joint account with all my wifes 5 credit cards and department store cards. They all show on my credit report as 48 months never late paid as agreed 0 balance open accounts Thanks Chris
Chris, I am still a newbie but I am going to do a <BUMP> for you. How old are the accounts? If you have a paid charge off from the OC, then you could use a nutcase letter. If its with a CA, then go the validation process. If no response to a couple of val letters sent, dispute with CRA's as not mine. If CRA verify, then send copies of CRRR stating they will not validate and they must delete. Any unpaid charge offs, I would dispute balances, dates opened, not mine, etc. If verified by CRA, then possibly send settlement letter to OC. I don't know if this helps, but just adding my .02 Stay focused ... UNLV34
my wifes judgment came in oct 2001 her student loan thing is antoher story. Received late notive april 12 go and pay it taht day (have receipt and statement) it was then referred to collections on april 30th and reported to my cedit report on july 1st. I dint even know about any of this till about dec 2001. my all my stuff is from 1998 all in a 4 month period. Yeh I know it doesnt look good
