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Originally Posted by jemelton Here is my credit situation right form my credit report.......My scores are
Transunion 528
Experian 586
Equifax 538
Here are the items that I have that are negatively effecting me. Do I write validation letters on these accounts that are no longer open and are a couple years old or what can I do with these Credit Card accounts?
Citicard Limit $1500 Balance $1397 account open on 2 reports and closed on 1
0 30 day late 4 60 day lates and 3 90 day lates
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Capital one Limit 750 Balance 728 account open on all 3 reports
5 30 day late 3 60 day late 2 90 day late there is 1 120 day late
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Discover Card $1,000 limit Balance $256
3 30 day late 1 60 1 90 day late
I spoke with the CSR from discover the other day and said he just showed 1 30 and 1 60 on my file with them and the others would be gone next month (don't know if this is true or not)
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Compass Bank MC $4,000 limit balance $0. account closed on XPN & TUC not reporting to the other at all.
XPN has 9 30 day late 1 60 & 1 90
TUC has 5 1 & 1
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Compass VISA $3000 limit $0 balance only reporting to EFX acct closed
9 30 day late 1 60 1 90
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Proviain (this account I REALLY want advise on if there is anything I can do)
$1,000 limit $0 Balance I called the other day and the account was not in their system anymore and I don't have the Account #. It was last reported in 2006 and the account is closed. It says "SETTLEMENT ACCEPTED ON THIS ACCOUNTCOLLECTION SETTLED FOR LESS THAN FULL BALANCE" Any advise on how to repair this account or is there nothing that I can do?
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I also have 2 collections that I send pay for delete letters to last week and am awaiting response.
I know I have put a lot of info on here but want as good advice as this forum can provide. Any advise is GREATLY APPRECIATED and plan on becoming an active member of this forum and helping others as well. |
Ok.....the first thing you want to do is read the beginner's section here. It has TONS of great information.
If you want to start repairing, the best way to start is by opting out and updating/deleting all personal info before you do any disputing or letters.
Those all look like OC accts.
Citicard - Is this out of SOL? Was it charged off?
Capitol One - goodwill letters
Discover - good deal.....if there's any way to get that in writing. DO IT.
Compass Bank MC - goodwill letters
Compass Bank Visa - goodwill letters (the two compass are at $0 balance because you paid, right?)
Providian - That's odd that it's not in their system...:confused:
Then they shouldn't be able to verify it when you dispute it with the CRAs.
That's what you should do first.
I know goldeneagle is trying to help but I would NOT use that letter.
That is a typical form DV letter
meant for a CA.......not an OC.
You always want to send an OC a debt
verification letter. Otherwise they will usually get ignored.
*no offense goldeneagle - I'm glad it worked for you......I would just not advise using that particular letter in this situation.
HTH
