Attempt to have 'closed' acts. removed using '101' tactics?

[lmcvity]

First off, great looking community & what a wealth of knowledge!

background:Paid off ~55k debt over past 5 years using CCCS. Mostly a positive experience for me despite what others have encountered using CCS's, even endured a fairly cordial divorce during the whole ordeal (if there is such a thing).

So, my current debt is minimal. Have yet to open up a credit card in my name since starting/completing my 'contract' w/ CCCS. Simply have an installment loan for my car, a single student loan and the rest of your typical, everyday expenses. My new wife & I are looking into purchasing/borrowing for a piece of land and construction (her scores are mid 700's).

Pulled my credit report using Experian and coughed up the extra $10 for my other two scores.

Experian: 651

Equifax: 630

TransUnion: 680

My Question:As you may have expected, in 'contracting' w/ CCCS it was necessary for me to close all my credit card accounts - oh, and there were 11 or 12 (mostly joint w/ my ex) & many have been bought/sold - so there's quite an extent of entries. Thus, my account history shows each of these as 'closed' w/ a balance of $0.00. Under 'payment status' most accounts read 'Paid or paying as agreed' & some along w/ 'managed by credit counseling service.'

Should i attempt to have these accounts removed using the 'credit repair 101' techniques posted on this board? Are these accounts, being closed, hurting my credit? Are they helping? Their timelines are mostly marked 'OK', 'ND' or simply blank. I say 'mostly' because there are a few 30/60/90's from '99 when CCCS was sending out our proposals to lower APR%'s, and we were instructed to stop making payments on our own.

Also, how much 'weight' do the 'Payment Status' &/or 'Comments' sections of these reports carry? Do these sections themselves have an affect on the score(#) itself?

I'm going to appologize in advance for my nievity & give thanks to those taking time out to read this post.

[lmcvity]

anyone? any thought?

[Recovering Attorney]

at the very least, they should recite " closed at consumer's request"

[edubb007]

You can dispute the comment if U really want to but it ways nothing on your scores! All in all your scores aren't that bad! You can get prime cards with a strong file!

How long do you have till you're done with CCCS?

I would dispute the C/O's first!

[lmcvity]

Thanks for your responses - it's greatly appreciated!

I've completed CCCS and completely debt free, except for what i explained in my post.

I'm still looking for answer to the question posed in my post -

Should i attempt to have these accounts removed using the 'credit repair 101' techniques posted on this board? Are these accounts, being closed, hurting my credit? Are they helping?

Thanks again for your very valuable input!

[Guest jeeptravel]

Do you have current reports? They will be in one of two sections on Transunion or Experian: "Adverse" or "Good Standing."

If they are showing as adverse, try to get them off. If they are showing as "Good Standing," then removing them will lower your score as they are part of your history and part of your # of accounts in good standing.

JT

[nevermore]

I'd try disputing anything that says CO (charge-off) or anything that reports severe lates..... like paid was 120 days past due.... anything that looks negative. If you are unsure if a TL is negative tell us exactly how it is listed..... minus any acct #'s or any identifying info.... and we can usually tell you if it's negative or not. Do not try to remove good TL's as this will lower your score. Anything listed under Collection accounts is not a good TL. Dispute all Collection accounts.

When are you and your wife wanting to get a new house? If it's not for a few months yet you may wanna open a revolving line of credit to help bring up your scores a bit.

Your scores aren't bad you may wanna post in the mortgage forum and ask what sort of rate you could get.