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Credit Repair Journal


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Hi Everyone,

Like other people on this site I am going to document my journey on my credit repair. First, some background on my credit... I was 10K in debt about 3 years ago. I couldn't pay my bills, so I just stopped paying them. In just one year the penalties added up and I was now 20K in debt as of 2005. All my accounts were charged off and I had many CA after me.

I was able to hide from the CAs and finally paid off all my debt except for 1300, that I still owe ARROW.

I just started my disputes with the CRAs on July 9, 2007.

EX = 3 CAs and 6 COs SCORE= 598

EQuifax = 2 CA and 6 COs SCORE= 589

TU = 3 CAs and 6 COs SCORE= 589

I sent a dispute letter to all 3 CRAs asking to investigate 3 OCs on 7/9/07. I mailed these Certified Mail With Receipt Request.

I also disputed online to EQUIFAX 3 separte OCs from the letter i sent in. I am not expecting anything, from this, but it is worth a shot.

I will wait and see...

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