Ok As I have stated in other posts I am a credit failure and I need detailed help from all of you... I have limited internet access so I need to make the best of what little time I HAVE. As stated before almost all of these are OC items and I wasted money with Bill Bauer and credit wrench by sending 3rd pary validation letters 3 times to OC's..(as per Bill's instruction). In a nut shell I will post my TU CR here for all of your recomendations....yes all of these are mine and EX Wifes so they are not mistakes. here is the report: Tranunion File #1234343 Consumer report for: Peter Rabbit Former address: 1313 Mockingbird Lane Employment: Trash Guy Sears Account#123456 Updated 09/2002 Balance : $879 Opened 10/1997 Individual Account Closed 01/1998 Status as of 01/1998 Charged off as bad debt BankAmerica Account 1234 Update 08/2002 Balance $2999 Joint Account Opened 07/93 Closed 07/2002 Status as of 07/2002 Charged off as bad debt. Portfolio Rc Account 456543212 Updated 07/2002 Balance $5327 Individual Opened 08/2000 Closed 10/1998 Status as of 10/1998 Charged off as bad debt Cingular wireless Updated 07/2002 Balance $391 Individual Opened 10/1997 closed 10/1998 Staus as of 10/1998 Charged off as bad debt First USA BK B Account # 12344567678 Updated 10/2001 Balance $8699 Joint Acct. Opened 08/1993 Closed 07/2001 Staus as of 07/2001 Charged off as bad debt Wach BKCRD Account#00987982341 Updated 07/2001 Joint account opened 08/1993 Most Owed $8872 Paid Off 11/1998 Status as of 11/1998 Charged off as bad debt Discover FIN Account # 4565341234 Updated 02/2001 Individual Opened 07/1997 Most owed $2000 Paid Off 07/1997 Sataus as of 07/1997 Charged off as bad debt DMCCB Acount # 333214422 Updated 10/200 Balance $5327 Individual Opened 05/1997 Closed04/1998 Staus as of 04/1998 Charged off as bad debt FST USA BK B Account # 2343365777 Updated 02/1999 Balance $7400 Joint Opened 09/1995 Closed )4/1998 Status as of 04/1998 Charged off as bad debt The following Item is suppressed pending credit grantor update: OSI COLLECT Joint Update 09/2001 Balance $1460 pLACED 08/2001 Status as of 09/2001 Collection account Verizon Wrls Accoutn # 11111177888 Updated 07/1999 Blance $64 Joint Opened 08/1995 Closed 01/1998 Status as of 01/1998 Collection Account (I HAD TO PAY THIS ONE TO GET A NEW CELL PHONE) WLS FRG MORTGAGE Account 7878979843903 Foreclosure Redemmed Joint Account Update 12/1999 opened 05/1996 Most owed $92,711 Status as of 12/1999 120 days past due So you see ther it is...Bad bad credit...the government just did a credit check on me I guess I didn't get the job........Where do I start? There are no addresses listed and half of the paperwork the Ex has so I have no idea wherte to send letters to.. SOMEONE PLEASE HELP!!!!!!
Realizing I am not Doc, I will chime in as an "other"... Just start bombarding the CRA's with disputes. Send in 4 or 5 disputes at a time (you can do it online). Check "not mine" and see what results you get. Do this for each of the 3 CRA's that have derogatory information. After you get the results back send in the next 4 or 5. Mix them up with previously verified results. You will find you will swiftly dwindle the derogatory items down to a managable list of a couple stubborn items that you will have had verified 2 or 3 times and still remain. What you do with those last 2 or 3 items is the tough part....this is the easy part. Validation is not a good place for you to start. Just start bombarding the CRA's with disputes. -Peace, Dave
Technique: If somebody asks you a tough question, don't answer right away. Soon enough, those with more knowledge and experience will provide excellent advice, and you're off the hook! Then you just pretend you didn't see the message until a day or so later and chime in with a brief message of agreement with what came before. Works every time! Benefits: You get to preserve the illusion of your own legend without sticking your neck out. You don't have to think too hard about the problem at hand. You still appear to be concerned for the welfare of others, irrespective of your real motivation. It's all good! Caveat: If you do this every time, people will stop asking for your advice directly. For that reason, do your best to answer softballs here and there to keep your name out there. That's what I do! My motto: "With 'experts' like me, who needs newbies?"â?¢ Love, Doc P.S. I concur with everything Nave and Lizardking said. Dispute everything with the CRAs, and see what comes off. If that doesn't work, do a search on this board for my Nutcase letter -- original creditors just hate that.
