Hi all, I have now gotten all derogs off my reports with the exception of two accounts with MBNA, an Installment loan, and a CC. I've disputed and been verified. I've tried to goodwill approach, so far to no avail, though i just wrote another letter. THe probelem is that the worst late (90 days) happened in april 02. So it seems to have a major impact. just wondering if anyone has other strategies or ideas. The accounts are open, with balances, so validation techniques won't work. Anyone?
