MS HUNY Posted May 21, 2007 Report Share Posted May 21, 2007 Hey, I'm Ms. Huny and I have been repairing my credit for a couple of months. successfully I have eliminated all CA's but one from my credit report My ques is what do I do about the co's? I live in GA but opened the accts in NY. The OC's chargeoffs are almost 4 yrs old w/no pmt activity, but some are showing with activity in the past year or so. I tried to dispute with the big 3 all came back "Verified" with no changes. Also I have 1 judgement can I make a settlement on that(capone)? I have been getting contacted a lot w/in the last 2 mos on these old CO's but evrytm I get a letter fr a CA I send a DV. The ltrs are coming from ATTy's in GA. Do I still have a chance to DV w/ success?should I pay the OC's or just wait it out. I don't want my score lowered Link to comment Share on other sites More sharing options...
gorjus99 Posted May 21, 2007 Report Share Posted May 21, 2007 Hello Ms. Huny, If you are getting letter back from CB- Verified. Check you credit report for any inaccuracies and dispute each items, but not at the same time. Each item such as dates, amount owe, balances, lates etc. The goal is to keep challenging the CB to remove account off your credit report. OR If you get a letter from CB saying to contact CA if you have anymore questions. DV the CA. If CA doesn't respond to you in 30 days, you can hit them up for Violations and Account removal. Given the longevity of CA accounts on your credit report I would not send them any $MONEY$ at all. ORSend CRMM directly to CA. Do not send them any money without having them to sign a release/statement. They must send you a Confirmation letter from their Company stating they will Remove this account off your credit reports (EX,EQ,TU) upon payment. On this website there are sample letters to send to CA etc. I hope this HELP,http://www.debt-consolidation-credit-repair-service.com/forums/images/smilies/biggrinangelA.gifGorjus99 Link to comment Share on other sites More sharing options...
MS HUNY Posted May 21, 2007 Author Report Share Posted May 21, 2007 my CR says that on the history that some of the coll are showing 120 day lates as of 2007 but these accts recv'd the last pmt in 2003.i'm not understanding how to dispute the tradeline:confused: . I sent a dispute to the big 3 and it came back verified. I was disputing the activity. These accts haven't been paid on but some of them say "ok' in the history now in 07. Is that affecting my score?Also I had a tri merge and i view my report on privacy guard. Link to comment Share on other sites More sharing options...
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