Newbie in Texas Needs Help!

[chryslynn]

I am new to this site and am wanting some help in cleaning up and

improving my credit score in the best way possible.

How do I go about disputing these? What has been the luck? I have really

no experience in doing this so any help is waay appreciated!

Btw, I am in Texas!

I disputed some things with Experian a year ago and had luck getting a few removed (just tried once and online) and am signed up for their Credit Expert but it won't allow me to dispute online!

I am also wanting to dispute old addresses (have a million and have only lived in 2 places) and how about an old married name? How to do it?

Here are my scores I pulled from myFico on 11/27/04

Experian-572

Length of Accounts- 9 yr 8 months

Total Balance on All Accts- $3,101

Collections:

Collection Agency AMERICAN AGENCIES

Original Creditor PB PACBELL 6194976700

Account Number 398XXXX

Whose Account Individual

Date Assigned December, 2002

Amount $323

Balance $557

Balance Date September, 2004

Collection Status Account seriously past due date/account assigned

to attorney, collection agency, or credit grantor's internal collection

department

Status Date October, 2003

**2 ENTRIES* Was Paid for By Ins before Collections

Collection Agency UNITED REVENUE CORP

Original Creditor TEXAS MEDICINE RESOURCES

Account Number 280XXXX

Whose Account Individual

Date Assigned July, 2004

Amount $165

Balance $165

Balance Date August, 2004

Collection Status Account seriously past due date/account assigned

to attorney, collection agency, or credit grantor's internal collection

department

Status Date August, 2004

*NO CLUE*

Collection Agency STASSINOS LAW OFFICES

Original Creditor FRY S ELECTRONICS INC

Account Number 105XXXX

Whose Account Individual

Date Assigned January, 2000

Amount $1,556

Balance $1,556

Balance Date February, 2003

Collection Status Account seriously past due date/account assigned

to attorney, collection agency, or credit grantor's internal collection

department

Status Date February, 2000

*3 ENTRIES BY THIS COMPANY, HAD 1 ACCT IS ALL*

Collection Agency EQUIDATA

Original Creditor COX CABLE OF SAN DIEGO

Account Number 10162XXXX

Whose Account Individual

Date Assigned November, 2000

Amount $500

Balance $500

Balance Date December, 2000

Collection Status Account seriously past due date/account assigned

to attorney, collection agency, or credit grantor's internal collection

department

Status Date August, 2000

Collection Agency EQUIDATA

Original Creditor COX CABLE OF SAN DIEGO

Account Number 10162XXXX

Whose Account Individual

Date Assigned October, 2000

Amount $378

Balance $378

Balance Date December, 2000

Collection Status Account seriously past due date/account assigned

to attorney, collection agency, or credit grantor's internal collection

department

Status Date September, 2000

Collection Agency EQUIDATA

Original Creditor COX CABLE OF SAN DIEGO

Account Number 10162XXXX

Whose Account Individual

Date Assigned October, 2000

Amount $399

Balance $399

Balance Date December, 2000

Collection Status Account seriously past due date/account assigned

to attorney, collection agency, or credit grantor's internal collection

department

Status Date September, 2000

Deragatories:

Revolving CAP ONE BK 41217415XXXX Unpaid balance

reported as a loss by credit grantor Charge Off, Collection, Or

Bankruptcy

41217415XXXX

Account Type Revolving

Credit Limit

(High Credit)

$1,318

Charge Off Amount $689

Minimum Monthly Payment (Terms)

Date Opened September, 1999

Date of Status June, 2000

Last Payment Date October, 1999

Date Closed

Loan Type Credit Card, Terms REV

POSITIVES:

GNB Bealls- High Limit- 447

Opened 1995, Date of Status 10/97

0 balance (closed)

City National Bank- Installment Loan

Orig Amount- $788

Date Opened 7/03, Paid off 10/04

Paid satisfactorilly

City National Bank- Installment Loan

Orig Amount- $575

Monthly Payment- $93

Opened 7/04, Last Payment 10/04

Acount in Good Standing

DELL FINANCIAL SVCS/CI

Revolving Credit- $1500

Utilized $938

Opened 9/04

Last Pay- 10/04

Paid as agreed

Equifax- 560

Length of credit- 6 yrs 2 months

Total Balance onaccts 3,101

Collections:

*2 from this creditor, no idea*

Collection Agency 636YC24890

Original Creditor K MART

Account Number 237XXXX

Whose Account Individual

Date Assigned January, 2000

Date Reported November, 2004

Amount $230

Balance $230

Balance Date November, 2004

Date Last Activity January, 2000

Collection Status Unpaid

Status Date November, 2004

*This Account was Paid in Full Before Collections*

Collection Agency 682YC05551

Original Creditor KILGORE CABLE T

Account Number 2778XXXX

Whose Account Individual

Date Assigned September, 2004

Date Reported October, 2004

Amount $81

Balance $81

Balance Date October, 2004

Date Last Activity June, 2004

Collection Status Unpaid

Status Date October, 2004

*NEVER HAD SPRINT*

Collection Agency 724YA00020

Original Creditor SPRINT 5

Account Number 10127XXXX

Whose Account Individual

Date Assigned June, 2001

Date Reported August, 2001

Amount $101

Balance $101

Balance Date August, 2001

Date Last Activity July, 2000

Collection Status Unpaid

Status Date August, 2001

*Have Had Verizon as local phone but not at this time and NOT this much*

Collection Agency 291YC75778

Original Creditor VERIZON SELECT

Account Number 263XXXX

Whose Account Individual

Date Assigned January, 2001

Date Reported March, 2001

Amount $684

Balance $684

Balance Date March, 2001

Date Last Activity January, 2000

Collection Status Unpaid

Status Date March, 2001

*SAME 3 Cox Cables as Reported on my Experian Report*

NAVY EXCH (Individual)

Credit Grantor Contact Information

Not on record

Account Number Not on record

Account Type Open Account

Credit Limit

(High Credit)

$176

Minimum Monthly Payment (Terms) $0

Date Opened June, 2000

Date of Last Activity June, 2000

Description Returned check

Paid collection

Last Report on March, 2004

Balance Current status Past Due Amount

$0 120+ days past due

Derogatories:

*I had this account but not this much*

Cap 1 Bnk

Account Number Not on record

Account Type Revolving

Credit Limit

(High Credit)

$211

Minimum Monthly Payment (Terms) $0

Date Opened Not on Record

Date of Last Activity May, 1999

Description Charged off account

Credit Card

Last Report on November, 2004

Balance Current status Past Due Amount

$1,318 Bad debt/collection $1,318

Armed Forces- My EX had a credit card with this company, NOT ME

Account Number Not on record

Account Type Revolving

Credit Limit

(High Credit)

$367

Minimum Monthly Payment (Terms) $0

Date Opened September, 1998

Date of Last Activity June, 2000

Description Charged off account

Credit Card

Last Report on January, 2001

Balance Current status Past Due Amount

$0 Bad debt/collection

Good -

Dell- Same as Experian Report

2 City National Same as Experian Report

TransUnion- 496

Incorrect Name, Addresses and Incorrect Previous Addresses

Length of Accounts- 6 yr 2 mo

Balances on All- 25,162

Collections:

Kmart (same as experian)

Sprint- Same as equifax

PacBell- same as experian

Kilgore Cable- Same as Others

*NO CLUE*

Collection Agency FALLON AG

Original Creditor TAN 4 LESS

Account Number 19

Whose Account Individual Account

Date Assigned July, 2000

Date Reported September, 2003

Amount $57

Balance $75

Date Paid Out Not on record

Date Closed Not on record

Collection Agency FALLON AG

Original Creditor TAN 4 LESS

Account Number 19

Whose Account Individual Account

Date Assigned July, 2000

Date Reported September, 2003

Amount $89

Balance $118

Date Paid Out Not on record

Date Closed Not on record

*NO CLUE*

Collection Agency P STASSINOS

Original Creditor FRYS ELECTRONICS INC

Account Number 105

Whose Account Individual Account

Date Assigned January, 2000

Date Reported February, 2003

Amount $1,556

Balance $1,556

Date Paid Out Not on record

Date Closed Not on record

*NO CLUE, Reported More than Once*

Collection Agency PARK DANSAN

Original Creditor SPRINT 5

Account Number 1XXXX

Whose Account Individual Account

Date Assigned June, 2001

Date Reported August, 2001

Amount $101

Balance $101

Date Paid Out Not on record

Date Closed Not on record

*NO CLUE*

Account Number 863459XXXX

Account Type Open Account

Credit Limit

(High Credit)

$328

Minimum Monthly Payment (Terms)

Date Opened September, 2002

Date of Last Activity Not on Record

Date Paid Out Not on Record

Date Closed August, 2000

Loan Type Factoring Company Account

Collateral TARGET RCV CORP RETAILERS NA

Description Placed for collection

Last Report on August, 2003

Balance Current status Past Due Amount

$328 Collection account $328

Same 3 Cox Cables as on other reports

Derogatories:

Same 2 cards as others, Cap 1 and Armed Forces (not mine)

Good:

HAFC- My car note, 1 30 day past due, open 10/03

2 City National Loans

Dell Financial Srvs

[chryslynn]

How easy do you think some of these will be to get off? I am wanting to refinance my truck soon (with Household Auto @ 15% and they suck) and want to be able to get a better rate, is it even possible right now?