blel0906 Posted May 9, 2005 Report Share Posted May 9, 2005 I recieved back a new copy of my husbands TU credit report...has some sucess but did not dispute as much on his....??? Listed underAdverse AccountsCapitol One Bank removed all recent lates only left Nov/Dec of '04...will redispute again after next round...Charter One Auto...no change came back verified but they only reported me late 30 days 4 times...could have been much much worse....vehicle is now paid off and may try to redispute when its a little older and harder to locateChase- Shows my account 30 days past due since June then 60 days since Nov...account is managaged through CCCS and I did miss 2 payments....called Chase and acted stupid offered to resolve past due but obviously wanted the neg removed.....still payments have been made for agreed upon amounts other than the two I missed. Told them I would get back with them after checking with credit mgmt co.....so obviously if I don't send past due this will continue...what should I do? Rep said she had no records past that point I think only because it was sold/transfered...Actually I am going to double check my dispute because I believe I did dispute but no remarks as verified or check changes...Citi Cards- this is the one I am baffled about...have never had a Citi Cards Account and was going to dispute....however info somewhat matches sears....does Citi Cards manage Sears....also not sure why it would be considered adverse....says paid or paying as agreed date open 3/1990 max deliquincy was 12/2/2000 for 60 days...24 month history shown is all current..EMC Mortgate Corp...shows my account 30 days late 9 times...again probably being generous could have been worse by my records and I am going to check some of the months reported late but fear they will show the real senerio if i tick them off.... I also see they check my credit every month not sure why....what should I do?Thanks I am looking forward to seeing the rest of the reports comming in...Only other Nasty is a bankruptcy report due to be removed 9/05 so I am not going to bother since its due to fall off soon...seems to be the biggest reason I get for turn down anyway....dirogatory public record.. Link to comment Share on other sites More sharing options...
blel0906 Posted May 9, 2005 Author Report Share Posted May 9, 2005 I decided to handle Chase through the CCC agency before doing anything...I explained the situation and how I felt a bit backed into the corner and authorized them to negotiate removal with a payoff within 6 months as well as the past due being made current....waiting to hear back if it will work.....I owe a little over $3000...It won't be easy but worth it if it works... Link to comment Share on other sites More sharing options...
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