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Advice Please


doubleT
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This is my first attempt at doing anything to repair my credit. I have been reading on this forum for the last couple of days until my eyes are sore, but I still have no idea where to begin. Here are my questions.

1- I have one collection that is paid. From what I have read this should be disputed and hope that the info isn't validated so that it will be deleted. Correct?

2- One charge off. I am almost positive that this is an error and was not a charge off. I would also dispute this and hope for deletion, right?

3- I have old accts that are closed with 30-90 day lates. I am very confused on what to do with these. It seems that most people send a goodwill letter with poor results. Are there any other options?

4- On the report there are many things older that seven years. From what I understand they should not be there. How do you get them off?

I appreciate anyone taking the time to answer these questions. I realize that they probably sound very uneducated.

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What to do? 3 words: Dispute, dispute, dispute. 90 day lates REALLY hurt your score, depending on how long they've been there. If they are recent, I'd dispute every little thing on the reports, one at a time, until they come off. It'll take some time, but it's worth the time.

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Thanks for the replies. When disputing those accts that have 90 day lates on them what exactly am I disputing? Am I disputing the late payments themselves and hoping that they don't respond in the 30 days? Do I just pick specifics such as balance and the date opened?

Thanks Again

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