douglashicks

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About douglashicks

  • Rank
    Newbie
  • Birthday 02/23/1984

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  • Location
    Texas
  1. I have an account on my CR showing to be charged off. The balance is showing 513$ to TransUnion and Equifax...but Experian is showing it to be $516. I realize the error is only a matter of dollars...but, can I exploit this error?
  2. Thanks a lot guys. I appreciate the responses. Im going to contact them first thing in the morning and get this sorted out.
  3. Tried calling them back a little while ago, but theyre closed on weekends. So, what do I do about the first CA on my credit report? Also, do I have anything I can do with the original OC? Heres how it all looks on my credit report : http://i21.photobucket.com/albums/b261/XMASTERBATTERSX/BADCHECKCREDITRPT.jpg EDIT : I guess I cant post HTML yet. Anyways, Ive compiled the listings from my credit report (acct numbers excluded) into one JPEG.... EDIT #2 : Thanks for the responses!
  4. I posted this in another section, and thought I might get a little more help here. Sorry for double posting. My credit is horrible...ugly. Ive been reading these boards for awhile, and, Ive been trying to fix my credit one step at a time. I figured Id start with some smaller accounts, to get the ball rolling. I intended to negotiate getting the accounts deleted, if I paid in full. I got a letter in the mail for an account from June 2004. Its for 150$, and Im ready to pay this amount now if I can get it deleted. I realize I need to get it in writing before any money changes hands. ANYWAYS, I ca
  5. My credit is horrible...ugly. Ive been reading these boards for awhile, and, Ive been trying to fix my credit one step at a time. I figured Id start with some smaller accounts, to get the ball rolling. I intended to negotiate getting the accounts deleted, if I paid in full. I got a letter in the mail for an account from June 2004. Its for 150$, and Im ready to pay this amount now if I can get it deleted. I realize I need to get it in writing before any money changes hands. ANYWAYS, I called (I know, I know, never call) the people who have the debt right now. They said they havent reported it
  6. Thanks for all the responses, guys, Im really appreciative. Ive got my CR from all 3 branches. Ive got about 4 different note loans with a few local places. I could afford to pay off the entire balance with some of these places. Anyone think these people would be easier to coerce into getting a PFD?
  7. Hey guys, Ive been lurking for awhile...reading up as much as I can. My credit scores are horrible (530-560 range), and Ive never cared about it until now. Id like to buy a house. You hear so much about credit scores...its hard to know what to believe. I make good money now...as opposed to when I was 18 and just absolutely destroyed my credit. Ive devised a budget plan to have all 7338$ I owe to about 10 different companies paid off in a matter of months. Is this a stupid plan? All but a few of the things on my credit report were opened in 2004 or before...and I havent made any sort of payme