I have one- it's just a spreadsheet I made- simple really.. I have it three ring punched and in my credit repair binder (yes hubby and I needed the 3" binder to fit everything LOL). I printed 3 pages- used our credit reports and filled in the blanks. I personally like something I can touch and write on at the kitchen table- and not on the computer. I will make a psuedo example here so you can see what headings I chose and information I tracked. This is spreadsheet Number ONE/ italics underneath are sample of what I fill in. (EDR = estimated date of removal)(X's mark which credit report the account shows up on- so anything with an X means it's showing on that credit report)
Collct Agncy | Original Creditor | Orig. Balance | Balance | Past Due | Status | Date Placed | EDR | EXP | TU | EQ
AFNI Charter $137 $137 $137 Open 01/2008 04/2013 X X X
Credit Ass. ACME Inc. $85 $54 $54 Open 07/2006 10/2011 X X
Acct. Sol. Frilly Girl Stuff $122 $0 $0 Closed/Paid 07/2007 02/2014 X X
This let me easily get a grasp on things (we had 3 pages full of these when I filled the spreadsheet out and I have 19 rows on each sheet. LOL. It let me easily see what credit agencies were reporting what, and also quickly pick out medical vs paid accounts etc... As I went down the list- I wrote down on the right hand side my intentions for each line. So for example, next to AFNI, if wrote PFD - next to Credit Prot. Ass. I wrote PFD, next to Acct. Rec. Sol, I wrote GW, medical ones i wrote HIPPA.
Then I could easily look down and I tackled them one round at a time so it wasn't so overwhelming for me. I tacked the PFD's first- and got all of those sent out. Then another day/week I sent out all the GW letters. Then another day/week I sent out all of my DV letters (actually only had two of those). Then finally I tackled the HIPPA letters.
I also now have another spreadsheet for tracking- and it goes like this (X's under the 3 credit reporting agencies means that it was deleted and no longer shows on that credit report):
Account | Action | Date Mailed | Response | Action #2 | Date Mailed | Response|EXP|TU|EQ| Misc.
AFNI/Chrtr PFD 05/2011 AGREED Mailed PFD Check#123 6/14/2011 received X X X
Fril. Girly. GW 06/2011 No response Mailed 2nd GW to John Doe 6/29/2011 accepted X X
Experian Dispute Address 08/2011 removed
I hope that isn't too confusing- but for me, it works and I can easily see and track my progess and keep a handle on it. With 40+ collection accounts to keep track of, this method for me has been a life saver. I would have thrown in the towel and given up a long time ago if I hadn't been so organized with all of this.
All of my stuff is sectioned off in a large 3 ring binder. It is set-up as follows. (with dividers seperating each one).
Front pocket on back of frontside of binder is where I keep blank envelopes and blank certified mail 'coupons'. LOL Here are the sections:
- Equifax Credit Report Copy - Husband
- Transunion Credit Report Copy - Husband
- Experian Credit Report Copy - Husband
- Equifax Credit Report Copy - Myself
- Transunion Credit Report Copy - Myself
- Experian Credit Report Copy - Myself
- Credit Log (which is the first spreadsheet example I gave) - also we cross them off when they are deleted and we don't need to do anymore
- Letter Log (2nd spreadsheet goes here)
- HIPPA (printed whychats hippa process and put it here)
- Clear plastic sheet covers. Inside each one is where I file the correspondences back and forth. Example I have one for AFNI- which has the PFD letter copies that we sent them, and also what they sent back. If I get bills from collections, I stick them in the respective clear thing as well. (I use the clear things like folders)
Back pocket on back cover is where i stick letters and things that I need to file correctly or document in the binder.
Hope this helps =)
