If it's trans union then go online and add a dispute and check the box that says too old to report. I recommend doing that for anything due to fall off between now and March because they tend to be very flexible for 6 month fall offs. I had my baddie due in jan erased last week after only three days of disputing
@Anonymous wrote:Hello,
Just getting started on the rebuilding credit journey and am a bit overwhelmed with all the info. I have a few accounts on my cr that are due to come off soon. I'm not sure which one's to try to get off early or just leave alone. Any help is welcome. I'm a bit nervous about any of this. I'm not sure what happens if I dispute or ask for early exclusion. I sure don't want to stir up a hornets nest of one of them that is set to fall off soon, but am looking at purchasing a new car in the next couple of months. I realize I won't get a great interest rate, but think I might be able to refinance in the summer/fall.
I think that if I can get started, I can be a quick learner, but am having a hard time knowing where to start. I did call TU to dispute some of my personal info, but "chickened out" of asking for any early exclusions or disputing anything else.
The 3 cra's have slightly different info, but my TU looks like the following:
Public Record (Dental Bill)
- Balance - $0
- Date Filed - 6/2008
- Date of Removal - 5/2015 Look up the HIPPA policy
Adverse Accounts:
AFNI (Medical Collection)
- Balance - $292
- Date of Removal - 2/2015 Look up the HIPPA policy
CBA (Retail Collection)
- Balance $507
- Date of Removal - 9/2015 Is there anything wrong with the way its reporting, is it a valid debt?
Convergent Healthcare (Medical Collection)
- Balance $236
- Date of Removal - 12/2015 Look up the HIPPA policy
Convergent Healthcare (Medical Collection)
- Balance $90
- Date of Removal - 4/2016 Look up the HIPPA policy
Convergent Healthcare (Medical Collection)
- Balance $136
- Date of Removal - 5/2016 Look up the HIPPA policy
Convergent Healthcare (Medical Collection)
- Balance $121
- Date of Removal - 7/2016 Look up the HIPPA policy
Convergent Healthcare (Medical Collection)
- Balance $90
- Date of Removal - 7/2016 Look up the HIPPA policy
FNB (Bank Loan)
- 4 30day late payments (11/2009-12/2009-1/2010-3/2010) These are no longer hurting your scores, you can start a goodwill campaign
HSBC (Credit Card)
- Balance $0 ($594 Charged Off - Sold to Midland)
- Date of Removal - 3/2015 I would personally let them age off
Midland Funding (Credit Card, purchased from HSCB)
- Balance $767
- Date of Removal - 3/2015 Let it age
PMC (Medical Collection)
- $0
- Date of Removal - 10/2014 Look up the HIPPA policy
Affiliated Group (Medical Collection)
- $252
Date of Removal - 4/2020
- I sent them a PFD request. They sent me back a validation of the debt.Look up the HIPPA policy
7 Hard Inquiries from 12/2012 (financed a car) If it was done within a 14-30 day period depending on the bureau these only count as one
1 Hard Inquiry from last month (got a cc) treat it well and hopefully it will grow with you.
Please remember it is against the forums policy to dispute correct/valid debt however if there is an error in what they are reporting you can dispute on that basis. I found that by having old addresses removed then disputing I had more favorable results. Maybe one of the elders will come through and clarify.
Starting Score: 499