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TOTAL ACCOUNTS: 22 24 18 OPEN ACCOUNTS: 8 3 7 CLOSED ACCOUNTS: 14 21 11 DELINQUENT: 0 0 1 DEROGATORY: 14 14 11 BALANCES: 27910 19106 25303 Pays: 751 439 558 Pub REc 0 0 0 INQUIRIES (2 years): 10 11 6
Above is a snapshot that I have of all 3 CR's.. Currently I only have 2 credit cards and 1 auto loan. Never been late on the 3 accts! Now: Other "stuff" all old debt from CC, med. bills, old chk/sav acct. and 2 util. bills that I have on my CRA from a old BF.. (I mvd out & didn't remove my name) anyway... the majority of the old debt is from like 2001-2004.. my SOL is 4yrs. I have 2 medical bills coming off soon. I did a PIF and I have the letter from the CA stating they sent a ltr to the CRAs to remove the debt. I am happy about that. I sent a DV ltr to one CA and they are not going to report on my CR until they validate.. so that's a waiting game. I sent a ltr to another OC requesting a late payment come of due to me cosigning back in 2000 for my nephew! I don't know where to go from here. I have some some closed Cap1, HSBC, Providian & First Premiere that I "should probably" work on, but just don't know how to handle. I guess I could send a DV ltr. to the CA ... then if that doesn't work.. should I contact the OC to see if I can work out a payment plan with them? I just don't know where to go from here.. I don't have DOFD or DOLA on any of the reports.. all there are is ??'s all over the place.. Can I call and request this information from the CRAs?