Hall25 Posted January 17, 2008 Report Share Posted January 17, 2008 I have been looking around on this site and I think it is GREAT that there is help out here for the less informed. If this has been out there and I have not found it yet I'm sorry.The reason I am tring to get my credit cleaned up is I am still under 600 with all my last 3yrs of perfect payment history. And my fiance is over 600 with a BK on record??? I just don't understand it???My situation is as follows:TU says I have 6 Adverse Accounts. 1- "placed in collection" past due $91 Date placed 09/042- "Placed for collection" past due $106 Date placed 01/053- "Paid Collection" past due $0 Date placed 08/024- "Paid collection" past due $0 Date verified 12/025- "Account closed by credit grantor" Date verified 07/04 shows 3-30day lates.6- "Closed" Date closed 09/01 2-30 day lates.5&6 Can I just write a letter to TU and dispute the lateness??1-3 How should I go after these???EQ shows 5 Collections 2 unpaid and 3 paidThe unpaid do I start with a DV to the collecters???And what about the 3 paid???Also I have a couple judgemants that the 7yrs will be over this year how do I go about removing them???Like I said before sorry if this is out there but I found all the letters but need to know how to go about my little problem.Thanks in advanceJH Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 17, 2008 Report Share Posted January 17, 2008 First of all - welcome! Glad ya found us! The first thing to do is always dispute everything negative with the credit bureaus and see waht stays, and what gets deleted. Here are some links to pages that you will want to bookmark, save, or otherwise have handy throughout your credit repair journey:Commonly used abbreviationsMain source for info, easy to understandPrimer (and other info too!)Once your head is spinning with those, take a deep breath or a drink of something strong (or both) And don't forget to have fun! Link to comment Share on other sites More sharing options...
JMVandals Posted January 17, 2008 Report Share Posted January 17, 2008 Welcome! A lot of those questions can be answered by looking thru the threads. The search button is your friend! Good luck and stay positive cause its not always a fun ride. Link to comment Share on other sites More sharing options...
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