niquieg Posted August 7, 2007 Report Share Posted August 7, 2007 Just looking at my Credit report is frustrating me, can someone offer advice on my road to credit repair. I would really appreciate the jump start in the right direction. DISCOVER FIN Account #: 60110102**** Condition: Paid Balance: $0 Type: Credit Card Pay Status: Collection/Chargeoff Opened: 10/01/2000 Reported: 11/01/2002 ASSOC/CITI Account #: 46212030**** Condition: Paid Balance: $0 Type: Credit Card Pay Status: Collection/Chargeoff Opened: 11/29/2000 Reported: 06/23/2004ASSOC/CITI Account #: 42239801**** Condition: Paid Balance: $0 Type: Credit Card Pay Status: Collection/Chargeoff Opened: 09/24/2000 Reported: 04/15/2004Collection Accounts:CENTRL FINCL Original Creditor: PARKWAY REGIONAL MEDICAL CTR Account #: 15654**** High Balance: 5486 Date Opened: 03/26/2001 Date Reported: 02/15/2007 Balance: 1603 Condition: 02/15/2007 HOLL CRD Original Creditor: JACKSONVILLE EMS AMBULANCE Account #: 1518**** High Balance: 310 Date Opened: 09/20/2005 Date Reported: 11/16/2005 Balance: 310 CENTRL FINCL Original Creditor: PARKWAY REGIONAL MEDICAL CENTE Account #: 15258**** High Balance: 1656 Date Opened: 02/16/2001 Date Reported: 09/15/2003 Balance: 0 Link to comment Share on other sites More sharing options...
NYSWEETY01 Posted August 7, 2007 Report Share Posted August 7, 2007 Welcome to CIC! As a newbie myself I think I can say that the first thing you need to do is try your hand at disputing all negative information ( paid collections, medical collections etc) with the CRAs. If the creditors cannot verify the account the CRAs are obligated to delete this information.This is a start...There are a lot of knowledgeable people on these boards who can offer a greater insight but based on whether the accounts remain on your reports would dictate your next steps in your road to credit power!Good luck!HTH! Link to comment Share on other sites More sharing options...
NYSWEETY01 Posted August 7, 2007 Report Share Posted August 7, 2007 ...read up on all the information in the stickys - it may take a while but there is valuable information contained! Link to comment Share on other sites More sharing options...
niquieg Posted August 8, 2007 Author Report Share Posted August 8, 2007 I've been reading and taken notes, it's been alot of helpwhere i'm stuck at is if I need to address my older accounts that are due to drop off in a few weeks and confused as to if they are even scheduled to be removed:cry: Link to comment Share on other sites More sharing options...
niquieg Posted August 10, 2007 Author Report Share Posted August 10, 2007 TU has removed 3 of the 6 thru disputeswaiting on more good results Link to comment Share on other sites More sharing options...
NYSWEETY01 Posted August 10, 2007 Report Share Posted August 10, 2007 You may want to review your reports more carefully. Experian usually provides the DOFD and the reporting clock starts. 7 to 7 1/2 years later it should be removed. If you notice different reporting times, alert the CRAs if they don't check or verify that is a clear violation and you can use this as leverage.Good Luck!its the small victories that make it worthwhile! Link to comment Share on other sites More sharing options...
niquieg Posted August 12, 2007 Author Report Share Posted August 12, 2007 TU has also removed 2 CO todayI have 1 CO account with them who i've sent a goodwill letter hoping for a PFDHope I have the same luck with EQ and EX Link to comment Share on other sites More sharing options...
niquieg Posted August 12, 2007 Author Report Share Posted August 12, 2007 TU FAKOSstarted at 6233 negatives removed 6262 CO removed 651 Link to comment Share on other sites More sharing options...
niquieg Posted August 16, 2007 Author Report Share Posted August 16, 2007 Experian updated 1 and deleted 2 Link to comment Share on other sites More sharing options...
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