I just received my experian report and would like your opinion on my strategy to clean it up. I was discharged from BK on 10-2001 so I don't know it is even helpful to dispute some of this items. Please let me know. Experian Report: 10/29/2003 Items to fix: The Furniture King Not Included in Bankruptcy (Long Story) Date Opened 9-2000 Reported Since 10-2000 Date of Status 2-2003 Date last reported 1-2003 Past Due 90 days. $653 balance. I am sending a validation letter to them. Assoc/Citi Date Opened 11-1993 Reported Since 6-1998 Date of Status 7-2001 Date last reported 5-2003 30 days as of 6/2001. Included in Bankruptcy. Charged off. Should I notify CRA as "never late"?. Bank One-OHIO Date Opened 9-1995 Reported Since 9-2002 Date of Status 9-2002 Date last reported 1-2003 $959 past due as of 1-2003. Account Charged Off. Does not say "Included in Bankruptcy". Verified 9-2002. What should I do? HB Compusa Date Opened 7-1995 Reported Since 9-1995 Date of Status 10-2002 Date last reported 10-2002 Paid/Current, was past due 30 days. Verified 4-2003. What should I do? Should I send validation letter to Compusa for this? NCO Financial SVCS Date Opened 8-2001 Reported Since 9-2002 Date of Status 9-2002 Date last reported 10-2003 Collection Account. $201 past due as of 10-2003. Should I send a validation letter? Toyota Motor Credit Date Opened 3-2000 Reported Since 4-2000 Date of Status 6-2001 Date last reported 9-2001 Bankruptcy/Voluntarily Surrendered 30 days as of 5-2001. I am planning to notify CRA it was 'never late'. thanks for your help. Even though I am new to these forum, I have read and learned a lot in the last few weeks and I have searched the posts looking for tips. Hopefully posting this is ok.
You don't say if you've already disputed these as "not mine". If you haven't, that's a first step. Don't dispute all at once, try submitting one a week. Online is great for first pass. You may get a few to drop off that way. If you've done that already, try validation w/the OC and then dispute w/CRA. There are threads here about this, search for "OC" or "original" and "validate". Before you say you were never late, and essentially admit the account was yours, try the validation route.
