personalized help please

[Ladybugg22]

Hello everyone!

I'm a newbie and this forum seems great! I've been reading thru a lot of the posts but I'm still not sure what to do. If I could get some personalized advice that would be great!

I have printed my 3 credit reports and there is 1 CO and 1 collection on only my Equifax report. I would like to dispute them to possibly have them deleted but I don't know where to start.

I know I need to write a dispute letter to Equifax but I'm not 100% sure what my reason should be. I've read that you should start with "this account is not mine" but I'm pretty sure they are...However, they are both for the wrong amounts and one has an incorrect date. Unfortunately I cannot find any documentation proving this becasue they are so old. I am also wondering when the 7 year drop off will be...I'm not sure which date to go by.

(also I've read I should call the CRA and opt out first...what does this mean?)

Here is the info:

Charge off:

Roland Management (landlord)

Installment account

Date opened: 4/2003

Date Reported: 4/2010 (can they wait this long to report?)

Date of last payment: 6/2004

Amount past due: $462

Date of last activity: N/A

Date of first Delinquency: 7/2004 (when will the 7 year drop off be?)

Collection:

Carolina Country Club (landlord)

Orginal amount owed: $2726

Balance owed: $2726 (this in not correct, have made payments)

last payment date: N/A

Date of first delinquency: 5/2005

Date reported: 6/2010

Date assigned: 2/2006

Any suggestions or info. would be much appreciated! Thanks!

[BV80]

I'll see if I can help a little. A negative TL stays on your CR for 7 to 7 1/2 years after the last payment. The one from Roland should fall off Jan. or Feb. of 2012 at the latest.

If the amount for Carolina CC is wrong, dispute it with the CRAs. If you look at the top of the page, you'll see the 623 Dispute method. Just follow the directions.

[1hottchic]

Hello everyone!

I'm a newbie and this forum seems great! I've been reading thru a lot of the posts but I'm still not sure what to do. If I could get some personalized advice that would be great!

I have printed my 3 credit reports and there is 1 CO and 1 collection on only my Equifax report. I would like to dispute them to possibly have them deleted but I don't know where to start.

I know I need to write a dispute letter to Equifax but I'm not 100% sure what my reason should be. I've read that you should start with "this account is not mine" but I'm pretty sure they are...However, they are both for the wrong amounts and one has an incorrect date. Unfortunately I cannot find any documentation proving this becasue they are so old. I am also wondering when the 7 year drop off will be...I'm not sure which date to go by.

(also I've read I should call the CRA and opt out first...what does this mean?)

Here is the info:

Charge off:

Roland Management (landlord)

Installment account

Date opened: 4/2003

Date Reported: 4/2010 (can they wait this long to report?)

Date of last payment: 6/2004

Amount past due: $462

Date of last activity: N/A

Date of first Delinquency: 7/2004 (when will the 7 year drop off be?)

Collection:

Carolina Country Club (landlord)

Orginal amount owed: $2726

Balance owed: $2726 (this in not correct, have made payments)

last payment date: N/A

Date of first delinquency: 5/2005

Date reported: 6/2010

Date assigned: 2/2006

Any suggestions or info. would be much appreciated! Thanks!

Opting out means stopping the Credit Agencies from selling your personal information to third parties.

You can opt out by doing the following:

There are many ways to opt out of credit card offers, such as:

Calling 1-888-5-OPTOUT (1-888-567-8688) to have your name removed from direct marketing lists.

You can do this online at OptOutPreScreen.com, which is the official consumer credit reporting industry opt-out website.

Contacting the individual credit bureaus by sending your request to the following addresses:

Equifax at:

Equifax Inc

PO Box 740123

Atlanta, GA 30374-0123

TransUnion at:

TransUnion Name Removal Option

P.O. Box 505

Woodlyn, PA 19094

Experian at:

Experian

901 West Bond

Lincoln, NE 68521

Attn: Consumer Services Department

You might also want to do this as well:

Stop unsolicited telemarketing calls by registering your telephone number online at WWW.DONOTCALL.GOV. You can also call toll-free at 1-888-382-1222 (TTY 1-866-290-4236), from the telephone number you wish to register. Registration is free, and will stop most, but not all, telemarketing calls.