Why is that there are always a couple of that give you the hardest time for the smallest amount. My hubbies reports are clean with the exception of 2 medical for under 100 dollars each and they are both from 1997. Neither one will cave & the thing is, these are truely not ours.....lol I managed to clean up all the other stuff that was reported incorrectly,re aged, out dated. So here is what I have done for my hubbies report in 1 year from the 3 reports 15 derogs removed completely totaling about 15k 1 judgement removed (small victory,it was due off in a month anyways) closed only CC with annual fee (FCNB refused to lower interest or dump the fee, so i dumped them) new postive tradelines -3 CC w/ 2250 limit total - 2 department store cards w/ 300 limits - 2 paid off mortgages -1 10 year old jewerly account 1000 limit /no lates / no current balance Now the scores are not great right now because of the new accounts & the number of inquires, but once those new ones age a little, the score should jump....... and my one CC has a high balance from the transfer i did from the fcnb, it should be gone next month.... So I am almost done with hubbies,now it's time to hit my report. I was less worried about mine,i don't work and all the debt was before hubbie came along & everything is in hubbies name...... So Thanks everyone here for the help,the work does pay off big time. And to all still plugging away at it,don't give up, I am proof that even a credit idiot can do it....lol now to tackle my own report............
hey Lynn congrats... as a newbie starting this thing. what was yoru approach as far as getting rid of the bad marks from the credit report? did you write the CRA or the CA initially? how long in average did it take for ytou to get the baddies removed? what were some of the biggest headaches you dealth with? also what letter format did you use? any from this board? thanks
