@Anonymous wrote:
Do you plan on continuing to target those negative items to see if you can achieve removal with persistence? Since you only have a couple of things on there, it seems like a doable goal and as I'm sure you know your scores would probably all jump some 50-100 points.
I am one of the few credit rebuilders who doesn't target negatives with fake disputes. All my disputes are written, and all of them include whatever legal information I've discovered based on my interpretation of the laws, regulations, requirements and past instances of why I think the tradeline is either faulty or incorrectly reported in whole.
The tax lien I will dispute because my reading of all of the various consumer protection laws tells me that this was never a consumer credit tradeline -- yes I know people say that's not a requirement but that's not how I read the various requirements. I think once its paid it will probably drop off but I am not going to attack it majorly because I doubt it's a big deal.
The utility collection will fall off once paid, at least the PFD letters I've finally received speak to that. If they don't, oh well. Not too concerned there.
The last remaining chargeoff on EQ will come off with a lawsuit I will personally file whenever I have time to. I will send the OC an ITS and then I will follow through on it immediately after their deadline to purge it. I figure I can win $1000 from them, and I have all the time in the world to chase a penalty once I put my mind to it. Plus the courthouse is really close to me, haha. I won a 5-figure settlement once from an OC for faulty reporting many years ago, I'm really good in court going pro-se and I have access to legal libraries to help me impress the judge with my filing and writing skills.
Other than that, I just plan on monitoring reports for any CA/JDBs that might decide they want to play with me. I love suing JDBs in court and even if it's just $500 or $1000 in my pocket, I'd have no issue with people selling old debts and re-reporting them because in my experience, they always violate the law in their careless reporting. I like free easy money, too.
At this point, the only thing I really care about is getting the lowest insurance costs. As a landlord I am paying more than I should, and that bugs me. I have enough residual income coming for the next 5-6 years that I don't really care about credit other than cashback maximizing and lower insurance costs. If it takes 3-4 years, so be it. I admit to screwing up on tax filings, on forgetting I was a joint on a utility bill for an old apartment, and on getting a secured credit card for a useless business partner who cost me $100,000 in losses so the $300 charge off doesn't compare in any way. Those were 100% my fault for making stupid decisions, compounded with NOT monitoring my credit for 4 years.
