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!Posting my CR!

Discussion in 'Credit Talk' started by tredragon, Apr 26, 2002.

  1. Apr 26, 2002 #1
    tredragon

    tredragon Member

    What info should I include per item? This would be a lot of typing to post everything listed. Is there an easier way???

    Thanks in advance,

    Tre
    Trying to dig my way out
     
  3. Apr 26, 2002 #2
    dfwgt

    dfwgt Well-Known Member

    Welcome tredragon!

    Sorry, your question confused me. Are you asking what to type when you dispute an account? If that's the case then best bet would be to use the sample letters here and insert your own info there.

    If you can, try to dispute on-line. I've found this to be by-far the easiest and most successful method. Unfortunately, this may not work with Equifax.

    Hope this helps - if not, can you give more details about your question...


    GT
     
  4. Apr 26, 2002 #3
    javan

    javan Well-Known Member

    Use this format:

    Card Type Code Opened C.Limit Balance Status Open/Closed(date)
    ----------- --- ------- ------- ------- ------ ------
    RETAIL 1 R 11/96 $1100 $0 Open ****WAS $401 Bal****
    RETAIL 2 R 2/97 $600 $0 Closed 8/99
    VISA 1 R 7/97 $2900 $0 Open
    MC 2 2/98 $27000 $0 Open
    LOC 1 R 6/98 $1000 $0 Open
    LOC 2 R 7/97 $1000 $0 Open
    RETAIL 3 R 12/98 $1200 $0 Closed 10/01
    CAR LOAN 1 I 11/00 $16000 $0 Closed 8/01
    VISA 3 R 12/98 $9000 $0 Open
    MORTGAGE 1 M 10/01 $128000 $119522 Open
    RETAIL 4 R 11/01 $3900 $31 Open ****WAS $0****
    AmEx Blue 4 R 5/00 $15800 $202 Open ****WAS $0****
    RETAIL 5 R 8/93 $2000 $0 Open ****WAS $31****
    VISA 5 R 9/98 $25000 $84 Open
    VISA 6 R 4/99 $7000 $0 Closed 11/01
    LOC 3 R 1/02 $10000 $0 Closed 1/02
    Unsec LOAN 1 I 4/99 $2500 $0 Closed 3/00
    CAR LOAN 2 I 8/99 $12000 $0 Closed 3/00
    Unsec LOAN 2 I 2/00 $7500 $0 Closed 5/00
    Mastercard 7 R 2/98 $500 $0 Closed 11/98
    Unsec LOAN 3 I 3/98 $2500 $0 Closed 8/99
    CAR LOAN 3 I 7/98 $11387 $0 Closed 8/99
    Unsec LOAN 4 I 8/99 $2691 $0 Closed 9/99
    LOC 4 R 2/99 $0 $0 Closed 02/00
    CAR LOAN 4 I 5/98 $5700 $0 Closed Showing Open

    Hard Inq
    ----------
    11/01 Credit Card
    9/01 Mortgage
    9/01 Mortgage
    8/01 Auto Insurance
    9/00 Loan
    6/00 Credit Card
     
  5. Apr 29, 2002 #4
    tredragon

    tredragon Member

    yes, i was talking about posting my CR in hopes that the kind members of creditnet could help me figure out where to go from here. I have my Ex now, working on the others. I'll post my Ex tonight in the format you suggested.

    One last question, what is the format for "Code"???

    Thanks so much everyone!

    Tre
    Trying to dig out
     
  6. Apr 29, 2002 #5
    tredragon

    tredragon Member

    I'd like to learn more about disputing once I get an idea of where to start. I think picking the creditors to pay down the most, and which items on my CR to dispute first would be a good start, but then again what do I know!

    Tre
    Trying to dig out
    (There IS light at the top of this hole, right?)
     
  7. Apr 29, 2002 #6
    Nave

    Nave Well-Known Member

    That is an excellent way to start. Before you pay anyone though, post the situation here and get some advice. The only real leverage you have is BEFORE you pay.

    The codes you are referring to are Equifax codes, I believe you are talking about the status code, but I could be wrong. Just post whatever relevant information you have without the account numbers and names...you do not need to type in everything, only derogatory items unless/until you need some advice on building credit or the right mix of cards etc.

    -Peace, Dave
     

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