Newcomer to the boards just looking for a little bit of direction.
I have 6 baddies (3 of which are from the same company) on my credit and they are all reporting differnt innacuracies.
Two accounts negative but not too worried about because I think I can get them taken care of easily...hopefully
1) CC with one late payment (I've had the card for almost 5 years now and barely use it which is why the late payment popped up. I had used it in a pinch and totally spaced making the payment. I figure I could submit a GW letter to get that one taken care of. It is through a local CU.
2) CA which was newly reported. I figure I can do a PFD with them
Accounts that are really troubling me
1) Car loan with Nuvell. They really got me with a high interest rate. Regardless, there are scattered late payments throughout the reports, none of which align with the other CRAs. DOFD was Nov of 2007 but I think I messed up by disputing some late payments in 09/2013.
What is the best option for this one? Should I try for an early delete? GW Letter to adjust lates?
2) Student Loan servicer that is killing me. They are showing 3 accounts for 3 different amounts because of the way they break up student loans. T
Status on Credit Report
Collection as of Jan 2014, Dec 2013, Jul 2009, Jun 2009
180 days past due as of Feb 2009 to May 2009
150 days past due as of Jan 2009
120 days past due as of Dec 2008
90 days past due as of Nov 2008
60 days past due as of Oct 2008
The account was sold/transfered to a different servicer (without my knowledge) in 08/2013
The account is now being reported as Collections as of 01/2014 with original servicor
This is the one that is causing me the most grief. For one, they don't own the account anymore and it was transfered long before that. Two, the company has been bought out. Three, the late payments are not reporting the same for any of the 3 CRAs.
How should I handle this one?
Thanks for the assistance!
