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could some one tell me what to do with this as i dont want to mess it up which ones should i dv, pfd, etc. please help me please .
first preimer bank
balance $446 credit limit $300 high balance $446 date open 09-2006
balance date 12-2007 terms revolving acct. owner indiv. past due $446
first bk of de/contine
balance $ 634 credit limit $300 high balance $634 date open 08-2007
balance date 02-2008 terms revoling acct. owner indiv. past due $ 634
verizon
balance $185 high balance n/a date open 08-2006
balance date 10-2008 terms 1 month acct. owner indiv. past due $185
verizon
balance $93 high balance n/a date open 04-2006
balance date 10-2008 terms 1 month acct. owner indiv. past due $93
verizon
balance $181 high balance n/a date open 08-2006
balance date 10-2008 terms 1 month acct. owner indiv. past due $181
jefferson capital
balance $435 high balance n/a date open 10-2008
balance date 01-2009 terms 1 month acct. owner indiv. past due $435
rjm acq llc
balance $280 high balance n/a date open 03-2007
balance date 01-2009 terms 1 month acct. owner indiv. past due $280
central credit / penn cr
balance $3071 high balance n/a date open 09-2008
balance date 12-2008 terms 1 month acct. owner indiv. past due $3071
enhanced recovery corp.
balance $174 high balance n/a date open 08-2007
balance date 09-2007 terms 1 month acct. owner indiv. past due $174
credit protection asso
balance $389 high balance n/a date open 02-2007
balance date 08-2007 terms unknown acct. owner indiv. past due $389
powell rogers & speaks
balance $130 high balance n/a date open 10-2006
balance date 03-2007 terms 1 month acct. owner indiv. past due $130
central credit / penn cr
balance $3098 high balance n/a date open 12-2005
balance date 01-2007 terms 1 month acct. owner indiv. past due $3098
apex asset management
balance $50 high balance $50 date open 09-2003
balance date 05-2008 terms 1 month acct. owner indiv. past due $50
apex asset management
balance $0 high balance $ 274 date open 07-2003
balance date 03-2003 terms 1 month acct. owner indiv. past due n/a
credit solutions corp.
balance $634 high balance n/a date open 02-2008
balance date 01-2009 terms 1 month acct. owner indiv. past due $634
apex asset management
balance $101 high balance $367 date open 07-2003
balance date 07-2006 terms 1 month acct. owner indiv. past due $101
dakota state bank
balance $429 high balance $429 credit limit $300 date open 08-2007
balance date terms acct. owner indiv. past due $n/a
roi services , inc.
balance $0 high balance $0 credit limit $0 date open 11-2002
balance date terms retail returned check acct. owner indiv. past due $n/a
*this say in bankruptcy *
public record
judgement (magistrate) (old rent)
date filed 11-2004 date reported 11-2004 amount $414
bankruptcy (chapter - 7) (discharged)
date filed 11-2002 date reported 03-2003 amount $ n/a
First thing you need to find out is the DOFD for each of these accounts.
That would be Date of First Delinquency. This date can be found on a report purchased directly from any of the 3 CRA's.
Where did this info above come from? Is it on all 3, or is this a compilation of the 3? Is this from an actual EX, TU or EQ report?
Different debts need to be handled differently.
this was from annual credit report.
and this is from all three reports .
Ok, so you got the 3 free thru annual cr. rpt. That's good.
Take a look on your Equifax report & you'll see DOFD. DOFD...add 7 to 7.5 yrs and that is when these will be removed.
On the other 2 (EX & TU) it will have a line that says something like "This acct due to be removed by mo/year"
Get out your highlighter & give it a swipe. Those dates and actual $$ amounts due will determine which ones need attention right away.
If you can, copy those tradelines you posted with the dates they're due to drop off and repost them here. If the same acct appears on more than 1 report, make sure that those drop off dates are within 1 month of each other. (some may report "june" while another might say "july"...no big deal.)
first preimer bank off aug 2013
balance $446 credit limit $300 high balance $446 date open 09-2006
balance date 12-2007 terms revolving acct. owner indiv. past due $446
first bk of de/contine off aug 2014
balance $ 634 credit limit $300 high balance $634 date open 08-2007
balance date 02-2008 terms revoling acct. owner indiv. past due $ 634
verizon off jun. 2013
balance $185 high balance n/a date open 08-2006
balance date 10-2008 terms 1 month acct. owner indiv. past due $185
verizon off may 2013
balance $93 high balance n/a date open 04-2006
balance date 10-2008 terms 1 month acct. owner indiv. past due $93
verizon off jun 2013
balance $181 high balance n/a date open 08-2006
balance date 10-2008 terms 1 month acct. owner indiv. past due $181
jefferson capital off mar. 2014
balance $435 high balance n/a date open 10-2008
balance date 01-2009 terms 1 month acct. owner indiv. past due $435
rjm acq llc off jan. 2013
balance $280 high balance n/a date open 03-2007
balance date 01-2009 terms 1 month acct. owner indiv. past due $280
central credit / penn cr off sept. 2014
balance $3071 high balance n/a date open 09-2008
balance date 12-2008 terms 1 month acct. owner indiv. past due $3071
enhanced recovery corp. off feb. 2013
balance $174 high balance n/a date open 08-2007
balance date 09-2007 terms 1 month acct. owner indiv. past due $174
credit protection asso off may 2013
balance $389 high balance n/a date open 02-2007
balance date 08-2007 terms unknown acct. owner indiv. past due $389
powell rogers & speaks off mar 2013
balance $130 high balance n/a date open 10-2006
balance date 03-2007 terms 1 month acct. owner indiv. past due $130
central credit / penn cr off jun. 2011
balance $3098 high balance n/a date open 12-2005
balance date 01-2007 terms 1 month acct. owner indiv. past due $3098
apex asset management off nov. 2009
balance $50 high balance $50 date open 09-2003
balance date 05-2008 terms 1 month acct. owner indiv. past due $50
apex asset management off feb. 2010
balance $0 high balance $ 274 date open 07-2003
balance date 03-2003 terms 1 month acct. owner indiv. past due n/a
credit solutions corp. off jun. 2014
balance $634 high balance n/a date open 02-2008
balance date 01-2009 terms 1 month acct. owner indiv. past due $634
apex asset management off nov. 2009
balance $101 high balance $367 date open 07-2003
balance date 07-2006 terms 1 month acct. owner indiv. past due $101
dakota state bank off aug 2014
balance $429 high balance $429 credit limit $300 date open 08-2007
balance date terms acct. owner indiv. past due $n/a
roi services , inc. off aug. 2009
balance $0 high balance $0 credit limit $0 date open 11-2002
balance date terms retail returned check acct. owner indiv. past due $n/a
*this say in bankruptcy *
public record
judgement (magistrate) (old rent) off nov. 2011
date filed 11-2004 date reported 11-2004 amount $414
bankruptcy (chapter - 7) (discharged) off . 2012
date filed 11-2002 date reported 03-2003 amount $ n/a
Ok...whew, well you've got a handful here to attack, but it's not impossible.
First, on these 3:
verizon off jun. 2013balance $185 high balance n/a date open 08-2006
past due $185
verizon off may 2013
balance $93 high balance n/a date open 04-2006
past due $93
verizon off jun 2013
balance $181 high balance n/a date open 08-2006
past due $181
Do you have the cash to pay these 3 in full...now? If so I would send them a PFD (sort of) letter for all 3. *Include all 3 acct #'s & totals, etc. Let them know you can send them a MO or Cashiers Check for the full amount owed for their deleting the NEG info. It would be nice if they could keep the acct so it will help with your aging. Either way, delete bad info or entire acct info if they must. If you can't pay it all right now, ask if you can make payments & as these are paid up, they remove negatives from accts.
Next....are these 2 still with the OC & not with CA?
first preimer bank off aug 2013
balance $446 credit limit $300 high balance $446 date open 09-2006
past due $446
first bk of de/contine off aug 2014
balance $ 634 credit limit $300 high balance $634 date open 08-2007
past due $ 634
If these accts are still with the bank, call them and apologize all over the place...sob sob, and ask if you can set up a payment plan with them toget these in the clear. Request that they consider removing negative info maybe at the halfway point in the repayment process. This shows them you want to pay & aren't expecting them to give you something before you deserve it.
Next are these:
rjm acq llc off jan. 2013
balance $280 high balance n/a date open 03-2007
past due $280
enhanced recovery corp. off feb. 2013
balance $174 high balance n/a date open 08-2007
past due $174
I'm putting these 2 together..... These are both due to come off about the same time, but more important, they are both fairly low balances that you might be able to take care of in just a few months. Send them both a DV letter to begin with. if they are both validated, then go with a PFD letter. Tell them you got into a bit of a jam a while back & want to make things right...bla bla.
This ought to keep ya busy for a couple days. Remember....make copies of everything you send out! Keep meticulous records of all correspondance & maybe even keep a calendar handy with all this info & make notes on when things were mailed, when you heard back....when things got REMOVED!!!
Much of what I have suggested I learned here by reading others posts. I didn't have much beyond a handful of GW letters for my baddies, but much of the other info sunk in. You may also get info from others where I made a misstep, but I'm fairly certain that I'm getting you in the right direction.
See how much $$ you have to put towards this & begin working with those who want to work with you and have put their GOOD intentions in writing!!
Good luck & keep us posted!
Mo
Ok...I will get to those asap, but I'm at work & gotta be careful.
On the rest of the list...start with the ones in collections & send them DV letters. If they can't validate, they MUST remove it by law.
Remember...make copies for yourself on everything & on the dv letters, never sign them, type only & send them CMRRR.