Thank you so much for your help Happy Days I have seen a lot of your threads and it looks like you know what you're talking about. Here are the answers to your questions:
INGs are listed for 2 years BUT only count the first year. Are any of the ings from a CA?
I found 1 CA in TU, can I dispute this since you said they do not have PP to do a hard pull?
Also in TU around this time last year there where 8 inquiries when I bought my car from 4 different lenders 1 company shows 3 pulls with in a matter of 4 days (EQ has the same for this inquiry). Two other companies show up twice within 48 hours and the others only once. Can I dispute this? Should I since it will be a year exactly in 1 week? I have read that it doesnt affect you after a year but I want to make sure, every little bit counts and even if it is 1% and I can fix it. I want to do it.
They do not have PP to do a hard pull
Most of my reports have the same information and experian has the least (hence the better score) I can see duplicate accounts with just a different company name or a typo on the account #. Equifax has the worst items listed under accounts due to the cell phone account being listed as 120+ days overdue, and peoples gas showing twice with late payments and charge offs.
Everything on your CR MUST be 100% accurate how you handle it makes a difference on who is reporting the OC or a CA.
Commonwealth $300 bal. charge off (it’s an account I am disputing because they charged me for service after a year of my lease ending, I need to know how to go about doing this. I have my lease and it shows exact dates and that the bills are incorrect)
Is this an OC reporting or a CA? If the bill incurred while you were living there?
If they charged you for service (lack of a better word) and the DATE of this service is a year after you moved You not only can dispute it but file an ID theft report. You MUST be very sure!!
Every time I talked to a different CA they had me fax in the lease and I did but nothing ever happened. I was so young and inexperienced I just let time go by. Yes, I am sure. My lease ended in 11/03 and they charged me well up 06/04 on top of late charges, disconnection fees, etc. I dont understand why I should file an ID theft report? The landlord didnt really have anything to do with it it was more the utility company that made this mistake. They tell me that I never called to cancel. My ex-boyfriend called so I could never be certain but even if he didnt wouldnt the fact that my lease ended at a certain point be enough to prove I didnt use the service? Also this is showing up as an account but with charge off or bad credit not on it from the OC and in collections it shows under a CA name. Also in EQ it shows a different amount (about $40 less) than when it shows up in the other CRA's as either an account or collection.This one is critical should I talk to OC even after all of this time?
Apt. lease $2796 1 late payment in Oct of 2007 which I am disputing because I have never been late.
Who is reporting the OC or a CA? handled different for each
If the OC is reporting dispute with all CRAs reporting as * never late*
In TU it is the OC, and EQ it shows as their bank name not the management company should I still go through the CRA's like you mentioned above?
If the dispute comes back *verified* send the OC the OC letter CMRRR
The OC letter or the CRA letter?
Bank One $0 bal (paid in full) co-signer on a line of credit but had 3 late payments in 2004
No biggy not hurting as far as scores go
This has a flag on the report which means it is hurting my score, doesnt it?
School loans $15, 916 and $2,340 just never be late!!!!
Got it!! Do you know how I can negotiate a lower payment with these people though?
Peoples Energy charge off closed in 07/04 (this shows twice ) (it’s an account I am disputing because they charged me for service after a year of my lease ending, I need to know how to go about doing this. I have my lease and it shows exact dates and that the bills are incorrect)
Again if the bill is for service while you were living there (final bill) you owe it! IF the service is a year after you moved dispute as *not mine* If it comes back verified....send the OC letter CMRRR (I am taking that this is the OC reporting)
Same thing here as above with Commonwealth this is the OC reporting. I know I owed like $20 for Com Ed and probably $75 at the most to Peoples but the rest is not mine. I think this one is the biggest impact on my score, am I right? Also this is showing up as an account but with charge off or bad credit not on it from the OC and in collections it shows under a CA name. This one is critical should I talk to OC even after all of this time?
COLLECTIONS
FICO doesn't care if it is paid or unpaid you want all collections OFF your CR if possable!!!!
Cell Phone $205 last reported 03/08
Federal SOL is 2 years!!! Who is reporting the OC or a CA (im guessing just a CA) If that is correct send a DV CMRRR
2 years from what date? This one is showing up as an account 120 days past due in EQ, under CA name.
CA I will write them a DV and CMRRR tonight. Anything I should be warned about before I write the letter? I read the threads and understand the concept, but just wondering if there is anything I should be aware of? Should I negotiate 50% in stead of paid in full?
Doctor bill $207 last reported 03/08
Paid or unpaid if paid who did you pay? what is the date of service? What is your SOL? Usually Dr. do not report....they assign it to a CA
Unpaid, this is the CA cut I know the OC pretty well, I am sure he will not be reluctant to delete from my CRA.
unpaid all hospital and medical If owed it is always better to pay the OC if possable and wait to do anything about the CA.
simple SOL http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8
3 Hospital bills totaling $487 last reported date on these accounts was 11/07
Keep in mind that the REPORT date is only that....the last time that it was reported and every time that it is updated brings it to look current to FICO
Some states have NO SOL on hospital bills but do on other medical. what is the date of service? who is reporting OC or CA
These are all reported by CAs but can I still go to the OC if already at a CA? If so how? Do you need the date of service or can it be the Date Assigned? If so these are the dates assigned:
TU - $188 07/04, $199 05/04. EX - $100 04/05.
5 paid collections with close dates 03/05 and 06/03.
start sending GW letters They should drop from CR approx 7 years from DOFD/DOLA not paid date!
I will look at these dates, and start writing, if paid to the CA I should address the letter to them, correct?
Comcast cable $395 last reported 04/07
OC (comcast) or a CA report date only means that this is the last date that they reported! What is the DOFD?
CA 02/07
On almost everything the DOFD/DOLA you need to know as it sets CRTP and SOL!
The date the account CO closed mean nothing. The report means nothing as far as CRTP or SOL
SOL can be reset (most states) by any kind of payment and without a PFD will remain on your CR until the 7 years are up.
When trying to pay old bills it is easier to get a PFD if past SOL!!!
LINK for newbies...it has all the abbrevs that we use and frequently requested thread that is full of info.
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=38534
CRTP v SOL
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=17466
IMO never dispute a CA.....first DV CMRRR bur try to know the DOFD/DOLA as CAs are known to change dates.
Just to clarify that I understand, DV CMRR with DOFC/DOLA and if no response then dispute with CRA?
Please flee free to ask as many question as you need and as many times as you need!!!!!
IF bill is outstanding I would pay the hosp.
I truly appreciate your help, thank you so much. I also have some auto and mortgage questions so I will be posting some threads there hope you can help. You are becoming my guardian angel 