Take a look at my report <

* The two judgments have errors. I had a roommate that bailed on me. We had to go to court. I got served twice. Once I got served I paid the judgment on July 2001. I went to the lawyer that handled the case once I found that I had two judgments on my creit report and neither were satisfied. He said that the Freeman development company switched representation and that the first lawyer filed a judgment and then they filed a judgment not knowing that the first lawyer filed one.

The second lawyer filed the judgment for case â??yâ?. When I paid him he gave me a satisfied of judgment in July 2001. However he put the case number â??xâ? on the satisfied of judgment. He went to the judge and called me back. He said the courthouse found the error on the satisfied of judgment and they corrected it in July 2001. Second he vacated the judgment for case â??xâ?. I have already received a copy of the vacated of judgment and a copy of the corrected satisfied of judgment dated July 2001.


** The collections from Anfi are completely incorrect. I paid the account off before I even got the letter from Anfi. Once I got the letter over two years ago, I called and told them it had been paid. I called Anfi three days ago. They apologized and said that they are going to have the listing completely removed. They are also going to send me a copy of the letter that they send the CRA. I have yet to see this copy in the mail.

I had the three CRA and Fico score done at myfico.com. And the matched pretty well. The only difference was experian didnâ??t report both judgments and trans only showed judgment â??x.â? Between the three CRA was some small variation in payment history. About three times one CRA had an r4 and another had r3.

1)How do I handle the judgments and the Afni Collections? I have all the paperwork from the judgments.

2)I would like to hit the wexler collections and the Power credit line with the O5.

3)What strategies do you recommend? I am willing to work really hard.

4)What should I hit first to improve my credit rating?

My Goals
1)Get a high-end credit card with cash back rewards in about six months. I want get the most for my money.

2)Get a respectable rate for a Condo (under 75k) that I would like to get in a little over a year.

3)Have the best credit I possibly can



I had a really hard time about two years ago. I have always valued my credit. I worked 80 hour (two full time jobs) every week for 8 months to pay off my debt. Shit just happens. I donâ??t think I will ever have a bad mark again. And with you help I hope to achieve my Goals.

Thanks for taking the time to look this over,
Matt

 

Do you mean creditors and collectors who don't have my current address or creditors and collectors that have their address wrong on my credit report?

I know that Wexler and Wexler (collections), Famous barr (chrage), and Providian (charge), don't have my current address. If you ment creditors and collectors who don't have my correct address, how do I delete these?

By mail, fax, internet?

And do I say that the accounts weren't mine or I don't believe I was late when they said I was?

Or if you ment creditors and collectors that have their address wrong on my credit report, how do I find out if they are the wrong address?

Thanks
Matt

 

When I call do I say I never lived there? Or I did live there but I don't want it on my credit report?

Will they send me a updated credit report showing the correction?

Thanks
Matt

 

I called CSC and TU. Both removed all former address and jobs. TU told me they will send out a new report tomorrow with score. CSC said I will get a new report in about a month. What is up with CSC?

They didn't question me or even try to make me prove anything. I felt like I did a hell of a job by starting off saying my current job listing was wrong. And asking dumb questions like do I have to call the other cra to change their info, who are they?

Anyways I just wanted to know if you guys had the same expierance with CSC. I ordered a copy from experian yesterday. So I will be calling then soon.

Looking at my report you will see I have;

two judgements
two collections
Five LOC that are closed (four with negs)
Capital One
Famous Barr
Illinois Power
Providian

I have a movement to vacate for one of the judgements(turnberry) and a letter from Anfi CA that says they are going to remove the listing on my report.

Knowing that I am think about going with two phases.

Phase 1
---------
Judgement that is not going to be vacated as
Not Mine

Collection
Wexler and Wexler (already paid)
Not Mine

LOC - Illinois Power associated with a former add.
Not Mine

LOC - Providian
Not mine

Phase 2
---------
Judgement (only if needed since it should be coming off)

Collection - Anfi (only if needed since it should be coming off)

LOC- Capital One (Closed)
Not Mine

LOC - Famous Barr *
*** Should I say "not mine" or "Never Late"? **

The account is closed at consumer request with a R1. Opened for 34 month. My average lenght of LOC is 31.

Should I keep any of the closed lines of credit with negs? Are any of the moves going to hurt my credit. The only one that I could see is Fammous Barr.

Capital One - Creditor closed - R1 - 19 months

Famous Barr - Consumer Closed - R1 - 34 months

Illinois Power - Consumer Closed - O5 - 22 months

Providian - Creditor closed - R1 - 24 months

Thanks
Matt