Please help .. newbie

I've read many many posts regarding how to remove entries on your credit report. As this will be my second attempt (first time in December), I'd like your advice.

I have 1 judgment, 2 paid collections, and a couple of 30 day lates. So I sent goodwill letters to my late accounts, and nutcase letters to the others. Just sent them off on 6/28. Then I ordered my credit report and this is where I need your guidance. My credit report:

Real Estate Accounts:
Count: 6
Balance ($): $1,815
Current: 4
Delinquent: 0
Other: 2

Revolving Accounts:
Count: 12
Balance ($): $9,102
Current: 10
Delinquent: 2
Other: 0

Installment Accounts:
Count: 2
Balance ($): $12,724
Current: 2
Delinquent: 0
Other: 0

Other Accounts:
Count: 0
Balance ($): $0
Current: 0
Delinquent: 0
Other: 0

Collection Accounts:
Count: 2
Balance ($): $0
Current: 2
Delinquent: 0
Other: 0

Total Accounts:
Count: 22
Balance ($): $23,641
Current: 18
Delinquent: 2
Other: 2

Accounts Summary:
Open Accounts: 7
Closed Accounts: 15
Public Records: 1
Inquiries (Prev 2 Years): 14

Judgment satisfied
Date Filed: Feb 19, 2003
Reference #:
Court: PRINCE GEORGES CO DIST
Plaintiff: CONDOMINIUM
Liability: Not reported
Asset Amount: Not reported

On the judgment, I lived out of state and was renting my property. Because of a job loss, the condo fees fell behind, and went to a collection agency. I paid them and sold the property, but it was placed on my CR anyway. I sent the condo association a "goodwill" letter hoping they might delete from file.

I've read some posts where some have removed old addresses. I haven't lived at that address for 4 years. Should I have CRA remove old addresses?

On the collection agencies, I paid them off (40) and (164). Sent them nutcase letters.

Household is pissing me off!! I called the corporate offices (CS) and told them I no longer had an account with them and was paying a collection agency. Plus the fact that they are reporting to CRA, faithfully!!) that I have a balance of 4,xxx. In reality, I have been paying the collection agency for over a year (117) and only owe 614. They told me it was still there account and they would continue to report it until it was paid in full. Is this legal??

Sorry for the long post, but I don't know which way to go, especially since this is my second try. I did get some things deleted back in December 2003.

I am sending off a letter to remove old addresses and then disputes.

Is this the thing to do?

Thanks for reading. Any advice welcome.

aafemale

 

Thanks lbrown59 ... question

I was able to see the judgement in Lexis today. The address tied to the judgement is not the Maryland address, but a prior SC address. Glad I saw it before I disputed removal of old addresses.

Any suggestions as how to remove this SC address? Haven't lived there for 2 years, so it's a recent one.

Anyone?

This board is great!! I've read practically all posts and am learning so much. Thanks for your help.

aafemale
"Knowledge is power"