Hey everyone my 1st round is over. Opinions on where to start next greately appreciated. Inclosed is a current report. 1ST NATIONAL BANK OF Account Number: xxxxx Acct Type: Revolving or Option Credit Card - Revolving Terms Revolving account Acct Status: Open Closed Closed Monthly Payment: $0 $0 $0 Date Open: Jan, 2000 Jan, 2000 Jan, 2000 Balance: $671 $335 $671 Terms: N/A Revolving N/A High Balance: $920 N/A $920 Limit: N/A $400 $400 Past Due: $671 $335 $671 Remarks: CHARGED OFF ACCOUNT CREDIT CARD N/A Profit and loss writeoff Payment Status: Bad debt& placed for collection& skip Charge-off Charged off as bad debt CAPITAL ONE Account Number: XXXX Acct Type: Revolving or Option Acct Status: Open Monthly Payment: $0 Date Open: N/A Balance: $1,068 Terms: N/A High Balance: $1,068 Limit: N/A Past Due: $1,068 Remarks: CHARGED OFF ACCOUNT CREDIT CARD Payment Status: Bad debt& placed for collection& skip CAPITAL ONE Account Number: xxxx Acct Type: Revolving or Option Credit Card - Revolving Terms Revolving account Acct Status: Closed Closed Closed Monthly Payment: $0 $0 $0 Date Open: Dec, 1999 Dec, 1999 Dec, 1999 Balance: $0 $1,006 $1,006 Terms: N/A Revolving N/A High Balance: $0 $1,006 $316 Limit: N/A N/A N/A Past Due: $0 $1,006 $1,006 Remarks: PAID ACCOUNT / ZERO BALANCE N/A Profit and loss writeoff Payment Status: Pays account as agreed Charge-off Charged off as bad debt CAPITAL ONE Account Number: XXXX Acct Type: Revolving or Option Acct Status: Open Monthly Payment: $0 Date Open: Dec, 1999 Balance: $0 Terms: N/A High Balance: $0 Limit: N/A Past Due: $0 Remarks: CREDIT CARD Payment Status: Pays account as agreed CITIBANK Account Number: XXXX Acct Type: Revolving or Option Acct Status: Closed Monthly Payment: $0 Date Open: May, 2000 Balance: $0 Terms: N/A High Balance: $0 Limit: N/A Past Due: $0 Remarks: CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS CLOSED ACCOUNT Payment Status: Pays account as agreed CITIBANK Account Number: XXXX Acct Type: Revolving account Acct Status: Closed Monthly Payment: $0 Date Open: May, 2000 Balance: $0 Terms: N/A High Balance: $0 Limit: $300 Past Due: $0 Remarks: Account closed by consumer Payment Status: Unrated CITIBANK, N.A. Account Number: xxxxxxx Acct Type: Installment Installment account Acct Status: Open Closed Monthly Payment: N/A $0 Date Open: Jan, 2001 Jan, 2001 Balance: $418 $418 Terms: N/A 1 Month High Balance: $0 $418 Limit: N/A N/A Past Due: $0 $0 Remarks: CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS Profit and loss writeoff Payment Status: Bad debt& placed for collection& skip Charged off as bad debt FIRST NATL BK MARIN Account Number: xxxx Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: $0 Date Open: Jan, 2000 Balance: $0 Terms: Revolving High Balance: N/A Limit: $400 Past Due: $0 Remarks: N/A Payment Status: Credit card lost or stolen FIRST PREMIER BANK Account Number: xxxxx Acct Type: Credit Card - Revolving Terms Revolving account Acct Status: Closed Closed Monthly Payment: $0 $0 Date Open: May, 2001 May, 2001 Balance: $143 $143 Terms: Revolving N/A High Balance: N/A $388 Limit: $250 $300 Past Due: $143 $143 Remarks: Credit line closed-consumer request-reported by subscriber Account closed by consumer Payment Status: Charge-off Unrated FLEET CC Account Number: xxxxxxx Acct Type: Revolving or Option Credit Card - Revolving Terms Acct Status: Open Open Monthly Payment: $0 $0 Date Open: Mar, 2003 Mar, 2003 Balance: $0 $0 Terms: N/A Revolving High Balance: $0 N/A Limit: $300 $300 Past Due: $0 $0 Remarks: CREDIT CARD N/A Payment Status: Pays account as agreed Current GTWY/CBUSA Account Number: xxxxx Acct Type: Revolving account Acct Status: Closed Monthly Payment: $0 Date Open: Feb, 2000 Balance: $1,578 Terms: N/A High Balance: $1,578 Limit: $1,600 Past Due: $390 Remarks: Profit and loss writeoff Payment Status: Charged off as bad debt HYUNDAI MOTOR FINANC Account Number: xxxxxxx Acct Type: Installment Auto Loan Installment account Acct Status: Closed Closed Closed Monthly Payment: $241 $0 $241 Date Open: May, 2002 May, 2002 May, 2002 Balance: $0 $0 $0 Terms: N/A 72 Months 72 Months High Balance: $247 N/A $11,924 Limit: N/A N/A N/A Past Due: $0 $0 $0 Remarks: PAID CHARGE OFF AUTO N/A Paid profit and loss Payment Status: Bad debt& placed for collection& skip Paid, was a charge-off Payment after charge off / collection MACYS Account Number: xxxxx Acct Type: Revolving or Option Revolving Charge Account Revolving account Acct Status: Closed Closed Open Monthly Payment: $7 $0 $7 Date Open: Feb, 2000 Feb, 2000 Feb, 2000 Balance: $281 $0 $281 Terms: N/A Revolving Minimum High Balance: $0 $281 $281 Limit: N/A $281 $100 Past Due: $36 $0 $36 Remarks: ACCOUNT CLOSED BY CREDIT GRANTOR CHARGE N/A Canceled by credit grantor Payment Status: At least 120 days or more than four payments past due Paid, was past due 180 days or more 120 days past due PROVIDIAN FINANCIAL Account Number: xxxxxxxxxxxxxxxxxxxxxxxx Acct Type: Revolving or Option Credit Card - Revolving Terms Revolving account Acct Status: Closed Closed Closed Monthly Payment: $28 $0 $0 Date Open: Apr, 2000 Apr, 2000 Apr, 2000 Balance: $0 $0 $0 Terms: N/A Revolving N/A High Balance: $500 N/A $971 Limit: N/A $500 $500 Past Due: $0 $0 $0 Remarks: ACCOUNT TRANSFERRED OR SOLD Transferred to another lender or claim purchased Purchased by another lender Payment Status: At least 120 days or more than four payments past due Paid, was a charge-off Paid or paying as agreed STERN'S/FDSB Account Number:xxxxxxxxx Acct Type: Revolving or Option Revolving Charge Account Revolving account Acct Status: Open Closed Open Monthly Payment: $7 $0 $7 Date Open: Feb, 2000 Feb, 2000 Feb, 2000 Balance: $292 $0 $292 Terms: N/A Revolving Minimum High Balance: $0 $292 $292 Limit: $0 $100 $100 Past Due: $37 $0 $37 Remarks: CHARGE Credit line closed-grantor request-reported by subscriber Canceled by credit grantor Payment Status: At least 120 days or more than four payments past due Paid, was a charge-off 120 days past due WELLS FARGO FINANCIA Account Number: xxxxx Acct Type: Installment Auto Loan Installment account Acct Status: Open Open Open Monthly Payment: $409 $409 $409 Date Open: Jan, 2003 Jan, 2003 Jan, 2003 Balance: $16,061 $16,061 $16,061 Terms: N/A 60 Months 60 Months High Balance: $16,442 N/A $16,442 Limit: N/A N/A N/A Past Due: $0 $0 $0 Remarks: AUTO N/A N/A Payment Status: Pays account as agreed Current Paid or paying as agreed ZALE/CBUSA NA Account Number: xxxxx Acct Type: Revolving or Option Revolving Charge Account Revolving account Acct Status: Open Closed Closed Monthly Payment: $15 $0 $0 Date Open: Apr, 2000 Apr, 2000 Apr, 2000 Balance: $356 $356 $356 Terms: N/A Revolving N/A High Balance: $356 $385 $385 Limit: N/A N/A $400 Past Due: $74 $74 $175 Remarks: CHARGED OFF ACCOUNT N/A Profit and loss writeoff Payment Status: Bad debt& placed for collection& skip Charge-off Charged off as bad debt
What state are you in. Most, or actually all, are new enough that you do not really have any options that I can think of. You can go for validation but chances are they will have that information. The best thing I can think of is try to offer pay for deletion.
