Newbie

Discussion in 'Credit Talk' started by tmccants07, Mar 24, 2009.

  1. tmccants07

    tmccants07 Member

    I requested my report from all 3 credit bureaus. I have been reviewing my report from TU and I am clueless on where to start in the process of cleaning my debts. If anyone could be of any help of providing me with advice please do so:) The first thing I think I will do is dispute personal info online such as adddresses. I have some collection accounts that I paid but the pay status is showing "payment after charge off" I want to know if it would help if I disputed these accounts, and if so which method should I use in getting it deleted or status paid. Also I have been reading different posts to try to come up with strategies which i am finding very helpful. Also, some of these accounts that have been paid the account type is showing "open account". Do this mean that they are reporting that the account is still open? Should I dispute this saying that the account is closed? I have a collection account with AFNI for cingular for $2908 this account type is also stating "open account" this account was placed for collection 5/2005. I have not received anything from them regarding this debt. Capital One is also on my report showing acct. closed by credit grantor, estimated date item will be removed is 6/2009, date open 1/2002, date closed 1/2009. Should I do anything with this account since it is about to expire? I know I have a lot of questions but if someone could please offer their advice I would surely appreciate. Thanks!
     

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