Rebuilding Your Credit

[novabama]

so I disputed a target card....It doesn't report under "negative accts" now on my equifax complete account, it reports on my "installment accounts" should I try to GW it?

 it used to look like this...

TARGET NATIONAL BANK

C/O TARGET CREDIT SERVICES
PO BOX 673
MINNEAPOLIS, MN-55440-0673
 

Account Number:	37533XXXX	Status:	CHARGE-OFF
Account Owner:	Individual Account.	High Credit:
Type of Account	Revolving	Credit Limit:	$200
Term Duration:		Terms Frequency:	Monthly (due every month)
Date Opened:	11/26/2006	Balance:	$0
Date Reported:	10/26/2011	Amount Past Due:
Date of Last Payment:	02/2007	Actual Payment Amount:
Scheduled Payment Amount:		Date of Last Activity:	N/A
Date Major Delinquency First Reported:	10/2007	Months Reviewed:	24
Creditor Classification:		Activity Designator:	N/A
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Credit Card
Date of First Delinquency:	04/2007
Comments:	Consumer disputes - reinvestigation in progress

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2011

CO

CO

CO

*

*

*

*

*

*

2010

CO

CO

CO

CO

CO

CO

CO

CO

CO

CO

CO

CO

2009

CO

CO

CO

CO

CO

CO

CO

CO

CO

CO

CO

CO

2008

*

*

*

*

*

*

*

*

*

CO

CO

CO

2007

*

*

*

*

*

*

*

*

*

*

*

*

2006

*

they updated it to look like this:

Account Number:	37533XXXX	Status:	PAYS AS AGREED
Account Owner:	Individual Account.	High Credit:	$687
Type of Account :	Revolving	Credit Limit:	$200
Term Duration:		Terms Frequency:	Monthly (due every month)
Date Opened:	11/03/2006	Balance:	$0
Date Reported:	09/03/2012	Amount Past Due:
Date of Last Payment:	02/2007	Actual Payment Amount:	$147
Scheduled Payment Amount:	$0	Date of Last Activity:	04/2007
Date Major Delinquency First Reported:		Months Reviewed:	24
Creditor Classification:		Activity Designator:	Paid and Closed
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:	10/2007	Type of Loan:	Credit Card
Date of First Delinquency:	N/A
Comments:	Account paid for less than full balance

[Shogun]

Looks pretty positive, except for that little comment.  But other than that, it's improved!

[novabama]

Ok cool. thanks for always reassuring me! I am thinking I will just leave it alone lol. I didn't actually pay it so I definitely don't want to ruffle any feathers!! my FAKO eq score did go up some after that I think so looks like I got lucky whew!

[Shogun]

You're quite welcome.   I made a vow to only use my powers for good.  HAHA!!!

[Tay09]

Nova, you are knocking them down!!  Your siggy is unbelievable.

[novabama]

Thank you! I have spent countless hours on this board and writing emails and sending letters lol. I seriously can't believe what's all happened so far some days! I started with like.... almost 30 baddies from 2006-2008.  But I am doing my hardest now that I'm a (mostly haha) responsible adult and would like to buy a house for my daughter and myself next year 5 out of 7 collections are medical that I should never have had to pay so I am doing my best to get that fixed too. It's worth the effort though!

And shogun you never fail to crack me up