I could use some consultation. I just started reading these boards and I realize I have made a mistake. I recently paid off all my credit card debt and collections using my bonus from work. I now realize that even though these accounts have been paid, my mistakes (living off cards to pay tuition) are going to haunt me for a long time. I deleted the payment history on all the accounts because the report used pictures to show late pays, but rest assured most of them were horrid. Before the two charge off accounts were sold they posted 120 day late notices. I called and asked them to work with me when all my student job payed for was rent and tuition but they refused so I stopped paying (stupid I know). The only people willing to work with me was the citibank visa. On my report they have never posted me with ever paying late. I have also never paid late on my student loans. But the rest of the cars are all riddled with 90 day and 60 day late pays ending about a year ago when I graduated and started paying them in large chunks. I guess what I want to know is where should I start? I just paid them all off and they are not even updated on the CRA's yet. How long should I wait until I dispute them with the CRA's? If that fails, how long should I wait to send the paid OC's goodwill letters and the paid CA's a nastygram? Also when I send the CRA a dispute on the chargeoffs, wont I be commiting fraud if I say the account is not mine? Has anyone every gotten in trouble by signing the affidavit which people claim to recieve? I have also looked at joining lexington, I hear they are one of the better agencies, but will they take longer than if I do it myself? I really wanted to get a house sometime next year but from my credit reports I doubt that can happen. Any help would be appreciated. Email me at shane_pcs@yahoo.com if you need more info or need to ask something private. Thanks in advance. Account History This section contains specific information on each account you've opened in the past. Positive information about your accounts remains on your report indefinitely. ASSOC/CITIBANK SD Account Name: ASSOC/CITIBANK SD Acct Type: Revolving or Option Acct Status: Closed Monthly Payment: $34 Date Open: Mar, 1999 Balance: $1,735 Terms: N/A High Balance: $500 Limit: N/A Past Due: $0 Remarks: ACCOUNT CLOSED BY CREDIT GRANTOR CREDIT CARD Payment Status: N/A ASSOC/CITIBANK SD Account Name: ASSOC/CITIBANK SD Acct Type: Revolving or Option Acct Status: Closed Monthly Payment: $33 Date Open: Mar, 1999 Balance: $1,676 Terms: N/A High Balance: $500 Limit: N/A Past Due: $0 Remarks: ACCOUNT CLOSED BY CREDIT GRANTOR CREDIT CARD Payment Status: N/A CAPITAL ONE Account Name: CAPITAL ONE Acct Type: Revolving or Option Acct Status: Open Monthly Payment: $0 Date Open: Aug, 2001 Balance: $623 Terms: N/A High Balance: $1,080 Limit: N/A Past Due: $0 Remarks: CREDIT CARD Payment Status: N/A CITI CARDS CBSDNA Account Name: CITI CARDS CBSDNA Acct Type: Revolving or Option Acct Status: Open Monthly Payment: $0 Date Open: Aug, 1996 Balance: $1,432 Terms: N/A High Balance: $0 Limit: $1,500 Past Due: $0 Remarks: Payment Status: N/A FIRST NORTH AMERICAN Account Name: FIRST NORTH AMERICAN Acct Type: Revolving or Option Acct Status: Open Monthly Payment: $0 Date Open: Jun, 1996 Balance: $0 Terms: N/A High Balance: $0 Limit: $410 Past Due: $0 Remarks: CREDIT CARD Payment Status: N/A FIRST USA BANK Account Name: FIRST USA BANK Acct Type: Revolving or Option Acct Status: Open Monthly Payment: $0 Date Open: May, 1997 Balance: $1,080 Terms: N/A High Balance: $500 Limit: N/A Past Due: $0 Remarks: CHARGED OFF ACCOUNT CREDIT CARD Payment Status: N/A FOLEYS : FOLEYS Acct Type: Revolving or Option Acct Status: Closed Monthly Payment: $0 Date Open: Feb, 1999 Balance: $0 Terms: N/A High Balance: $0 Limit: N/A Past Due: $0 Remarks: ACCOUNT CLOSED BY CONSUMER CHARGE Payment Status: N/A GULFSTATE CREDIT Acct Type: Open Account Acct Status: Open Monthly Payment: $0 Date Open: N/A Balance: $0 Terms: N/A High Balance: $1,080 Limit: N/A Past Due: $0 Remarks: SETTLEMENT ACCEPTED ON THIS ACCOUNT PAID COLLECTION Payment Status: N/A JC PENNEY / MONOGRAM : JC PENNEY / MONOGRAM Acct Type: Revolving or Option Acct Status: Closed Monthly Payment: $0 Date Open: Nov, 1996 Balance: $0 Terms: N/A High Balance: $0 Limit: N/A Past Due: $0 Remarks: ACCOUNT CLOSED BY CONSUMER PAID ACCOUNT / ZERO BALANCE Payment Status: N/A KAY JEWELERS Acct Type: Revolving or Option Acct Status: Open Monthly Payment: $0 Date Open: May, 1995 Balance: $0 Terms: N/A High Balance: $0 Limit: N/A Past Due: $0 Remarks: Credit Card Payment Status: N/A MBNA AMERICA Account Name: MBNA AMERICA Acct Type: Revolving or Option Acct Status: Closed Monthly Payment: $27 Date Open: Aug, 1995 Balance: $0 Terms: N/A High Balance: $0 Limit: N/A Past Due: $0 Remarks: CHARGED OFF ACCOUNT ACCOUNT TRANSFERRED OR SOLD Payment Status: N/A SALLIE MAE Account Name: SALLIE MAE Acct Type: Installment Acct Status: Closed Monthly Payment: $0 Date Open: Jul, 1999 Balance: $0 Terms: N/A High Balance: $1,100 Limit: N/A Past Due: $0 Remarks: ACCOUNT TRANSFERRED OR SOLD STUDENT LOAN Payment Status: N/A SALLIE MAE-FFELP Account Name: SALLIE MAE-FFELP Acct Type: Installment Acct Status: Open Monthly Payment: $50 Date Open: May, 2000 Balance: $349 Terms: N/A High Balance: $1,100 Limit: N/A Past Due: $0 Remarks: N/A Payment Status: N/A WELLS FARGO CARD SER Account Name: WELLS FARGO CARD Acct Type: Revolving or Option Acct Status: Closed Monthly Payment: $25 Date Open: Apr, 1997 Balance: $447 Terms: N/A High Balance: $700 Limit: N/A Past Due: $0 Remarks: ACCOUNT CLOSED BY CREDIT GRANTOR CREDIT CARD Payment Status: N/A WELLS FARGO EFS Account Name: WELLS FARGO EFS Acct Type: Installment Acct Status: Open Monthly Payment: $65 Date Open: Aug, 2000 Balance: $5,463 Terms: N/A High Balance: $5,500 Limit: N/A Past Due: $0 Remarks: STUDENT LOAN Payment Status: N/A Account WELLS FARGO EFS Account Name: WELLS FARGO EFS Acct Type: Installment Acct Status: Open Monthly Payment: $39 Date Open: Sep, 1999 Balance: $1,933 Terms: N/A High Balance: $4,234 Limit: N/A Past Due: $0 Remarks: STUDENT LOAN Payment Status: N/A WELLS FARGO EFS Account Name: WELLS FARGO EFS Acct Type: Installment Acct Status: Open Monthly Payment: $10 Date Open: Sep, 1999 Balance: $524 Terms: N/A High Balance: $1,266 Limit: N/A Past Due: $0 Remarks: STUDENT LOAN Payment Status: N/A Account WELLS FARGO EFS Account Name: WELLS FARGO EFS Acct Type: Installment Acct Status: Open Monthly Payment: $14 Date Open: Sep, 1998 Balance: $1,068 Terms: N/A High Balance: $1,181 Limit: N/A Past Due: $0 Remarks: STUDENT LOAN Payment Status: N/A Account WELLS FARGO EFS Account Name: WELLS FARGO EFS Acct Type: Installment Acct Status: Open Monthly Payment: $62 Date Open: Sep, 1998 Balance: $4,544 Terms: N/A High Balance: $4,319 Limit: N/A Past Due: $0 Remarks: STUDENT LOAN Payment Status: N/A WELLS FARGO EFS Account Name: WELLS FARGO EFS Acct Type: Installment Acct Status: Open Monthly Payment: $39 Date Open: Aug, 1997 Balance: $2,897 Terms: N/A High Balance: $3,170 Limit: N/A Past Due: $0 Remarks: STUDENT LOAN Payment Status: N/A WELLS FARGO EFS Account Name: WELLS FARGO EFS Acct Type: Installment Acct Status: Open Monthly Payment: $13 Date Open: Nov, 1996 Balance: $962 Terms: N/A High Balance: $1,054 Limit: N/A Past Due: $0 Remarks: STUDENT LOAN Payment Status: N/A
