Working on Credit Report (detailed)

Help! After reading through many credit forums over the years I think I know what to do but I still feel a bit unsure. Here's my situation (For a summary, scroll down to the end):

1. My name is spelled without the accent mark and a letter should be capitalized that isn't. I know some computers or whatever don't allow certain characters such as accent marks or apostrophes. Still it's misspelled.

2. Citibank account #1 is listed as closed by the credit grantor when I actually closed the account. Date Opened-10/1997; High Credit-$680; Balance-$0; Date of Last Activity-11/2002; Current Status-Pays as Agreed; 60-89 Days Past Due(DPD)-10/1999, 12/1999, 12,2000; 90-119 DPD-11/1999, 1/2001; 120-149 DPD-2/2001, 3/2001

3. Citibank Account #2 used to be an Associates National Bank Account. Date Opened-9/1999; Credit Limit-$500; Balance Amount-$1,315; Date of last payment-4/2001; Date of Last activity-9/2000; Charge off Amount-$1,266; Current Status-Charge Off; 30-59 DPD-12/1999, 4/2000, 7/2000, 10,2000; 60-89 DPD-11/2000; 90-119 DPD-12/2000; 120-149 DPD-1/2001, 2/2001, 3/2001; Charge Off-7/2004, 8/2004, 9/2004, 10/2004, 11/2004, 1,2005, 2/2005.

This account was charged off in 2001 I believe and 2 collection agencies contacted me between now and then but I haven't heard from one recently. I called Citibank and they said that their internal collections department could talk to me about the account. I haven't called yet. Should I assume Citibank probably took the account back? When they sent my account to a collection agency I had just set up a payment plan with them. When I found out what they had done, I put a stop on the future checks. Now here I am. I believe I should pay what I owe but I don't want to pay anybody but I want this to come off of my report ASAP. What should I do?

4. Discover Account opened in 1996 with a $1,000 balance, never used, closed by me.

5. Express opened in 1998 with $250 credit limit (actually $200), pays as agreed (currently, though I have had late payments that aren't listed here), Balance Amount-$0, Date of last Payment-1/2000 (actually some time in 2004), Actual Payment Amount-$16 (not true because this is not up to date), Date of last activity-1/2000

6. Universal Card: Date opened-5/1998; High Credit-$2,000; Balance Amount-$0; Date of last activity-1/2003; Current Status-Pays as agreed; Account Paid/Zero Balance; Account Closed by credit grantor; 30-59 DPD-2/1999; 60-89 DPD-7/2000, 5/2001, 8/2001, 9/2001, 11/2001; 90-119 DPD-5/1999, 6/1999, 7/1999, 9/1999, 10/1999, 8, 2000; 120-149 DPD-8/1999

My FICO score is 653.


Summary: I have an Express account in good standing that I've had since 1998 and a Discover card listed that had a $1,000 limit that I never used and eventually closed. I have a charged off Citibank card with a $500 balance and a charge off amount of $1,266. It was opened in 1999. First went delinquent some time in 2001 and they just started noting this in 2004. I think Citibank took back possession of the account from the collection agency. There's another Citibank card and a Universal Card (owned by Citibank now) that I paid off in 2001. I was late paying them at times. I first became past due with them in 1999 and as late as 2001. Finally my name is missing an accent mark and a letter should be capitalized that isn't.

SO, should I dispute a lot of the negative info? Is it better to have no negative info and a shorter credit history or more negative info with a longer credit history? Obviously the Express and Discover accounts can stay put. What's my course of action? PLEASE HELP!

 

Anyone out there?

 

hello?

 

PLEASE HELP!

 

ok one last cry for help....

 

Re: Working on Credit Report (detai

Thank you so much. i really appreciate this.

 

Oh I believe that Statute of limitations in my state is 6 years. I'm in PA.