Possibly screwed newbie

Hi, I'm a newbie & have a royally screwed credit report with lots of paid chargeoffs on it b/c I didn't know a thing about credit. Two weeks ago, before I discovered this forum, I sent out a bunch of dispute letters to the CRAs (Experian & Equifax - about 8 or so letters to each) using the dispute templates I found online. Since reading the primer & other posts on here I learned that probably wasnt the brightest move. Im guessing that these letters could have a pretty bad effect on my credit report.
(Side question - what will most likely happen?)

My main question is: Have I really messed up any chance I had at credit repair? If I have is my best bet to wait out those 7 years? And if not (if there's still a chance I can do something), where do I go from here?

Secondary question: Do the CRAs keep the letters you send to them on file? Basically what I'm hoping is that if I did screw up by using those form dispute letters, I can wait 90 days and start over.

 

Re: Re: Possibly screwed newbie

I sent a form letter (feel so dumb for doing that now), basically saying that I dispute items such as (but diff for each letter):

2 Examples of what was on my letters:
"Incorrect Item: Paid, past due 30 days. THis account was paid and fully satisfied as per agreement w/ the lender. Please investigate and change to a positive listing."

"Incorrect Item: Paid, chargeoff. This account was never a chargeoff. Please investigate and remove from my report."

If they say I'm being frivolous are my chances blown to get this off my report? (i.e., do they keep a record of my doing this frivolous report so that each time I send them something they see this?)

I want to thank everyone who contributes to this forum, its really opened my eyes and is the best place to find info.