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Short info on where I stand credit fico scores are 585
Car loan almost a year old - current no lates
student loans in deferment - 1 year old
I have 4 collections really only 2 because I have been disputing with CA over this because 2 different credit collections are trying to collect on the same two debts. I was told 2 of the 4 would be deleted because they realize they shouldn't be collecting. I sent out a GW letter for the other 2.
Lets say all 4 disappear completely off credit report, will this bump me up near a 620 at all?
I have no credit cards or anything else.
You could with the collections. Are all 4 CAs? And how recent did the newest CA report?
Do you have any CCs? If not, you'd benefit by adding one.
Which CRA has the 585?
I was told 2 credit reports pulled were both 585 and one was 500 from the lender and I'm showing a 585 on myfico as well. Here is whats listed on the credit report. The CCA Should fall off because they aren't suppose to be collecting, ehanched recovery is and I have paid them.
CCA
Date Reported: 04/2011
Date Assigned: 01/2010
Creditor Classification: Utilities
Creditor Name: AT T
Account Owner: Individual Account.
Original Amount Owned: $744
Date of 1 st Delinquency: 10/2008
Balance Date: 04/2011
Balance Owned: $744
Last Payment Date: N/A
Status Date: 04/2011
Status: D - Unpaid
Comments: Consumer disputes this account information
CCA
Date Reported: 05/2011
Date Assigned: 03/2010
Creditor Classification: Utilities
Creditor Name: AT T MOBILITY
Account Owner: Individual Account.
Original Amount Owned: $188
Date of 1 st Delinquency: 01/2008
Balance Date: 05/2011
Balance Owned: $283
Last Payment Date: N/A
Status Date: 05/2011
Status: D - Unpaid
Comments: Consumer disputes this account information
Enhanced
Date Reported: 05/2011
Date Assigned: 02/2011
Creditor Classification: Cable/Cellular
Creditor Name: AT T
Account Owner: Individual Account.
Original Amount Owned: $744
Date of 1 st Delinquency: 10/2008
Balance Date: 05/2011
Balance Owned: $672
Last Payment Date: N/A
Status Date: 05/2011
Status: D - Unpaid
Comments: N/A
Enhanced
Date Reported: 05/2011
Date Assigned: 02/2011
Creditor Classification: Cable/Cellular
Creditor Name: AT T
Account Owner: Individual Account.
Original Amount Owned: $675
Date of 1 st Delinquency: 12/2007
Balance Date: 05/2011
Balance Owned: $625
Last Payment Date: N/A
Status Date: 05/2011
Status: D - Unpaid
Comments: N/A
If all of this came from one report, then it appears it came from EQ since DOFD is listed. From what I see of it, you have three debts with AT&T with org. balances of $744, $188, and $675, with DOFDs of 10/2008, 1/2008, and 12/2007 respectively. If this doesn't look right, then start by contacting AT&T. If you request copies of your last couple of bills, then they'll give it to you, but you have to be firm about not being transferred to the CA. I dealt with the same, including the CAs, and got the info I was looking for to proceed on a PFD.
Looks like the 10/2008 $744 debt is reporting twice. I'd dispute both as being duplicate and the CRA(s) will remove the wrong one (which is CCA). BTW, both CCA and Enhanced, I think, are related. The addresses listed on your EQ report should confirm that.
For the other 3, send each a DV letter. If they verify and you agree (based on the statements from AT&T if necessary), then send a PFD.