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Advice greatly appreciated


niquieg
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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: 06/23/2004

ASSOC/CITI

Account #: 42239801****

Condition: Paid

Balance: $0

Type: Credit Card

Pay Status: Collection/Chargeoff

Opened: 09/24/2000

Reported: 04/15/2004

Collection 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

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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!

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I've been reading and taken notes, it's been alot of help

where 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:

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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!

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